Free Disability Claim Booklet
Receive Our Newsletter
Click Here
Free Online Consultation
No Fees Unless We Win
Click Here

How Does My Salary Affect My Long-Term Disability Claim?

How does my salary affect my long-term disability claim?
Disability Benefits - Question 76
Most disability policies pay a percentage of your salary as the benefit. Salary as defined in most disability policies are base salary and not overtime, bonuses or commissions. The employer reports salary on a periodic basis and premiums are adjusted accordingly. It is important to ensure that your employer is reporting the correct salary to the insurance company. Premiums that are taken off of your salary do not always reflect your current salary level. At the time of a claim for long term disability benefits, the insurer will be looking at the salary as reported by the employer on the date of disability. If the reported salary and premiums that are taken off are lower than the actual salary, the insurance company will try to use the lower amount. So, before making a claim make sure your current salary is being properly reported to the long term disability insurance company.
Was your question answered? Yes or No

Other Similar Questions

If I apply for CPP Disability will it affect the CPP benefits I am supposed to receive upon retirement at the age of 65?

If I apply for Canada Pension Plan (CPP) disability, will it affect the CPP benefits I am supposed to receive upon retirement at the age of 65?

How do I calculate my short term disability benefits?

DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!


This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.