Will I still be covered for dental, medical and life insurance if I am on long term disability?
According to the Ministry of Labour of Ontario's Employment Standards Act, 2000, an employee on sick leave "has the right to continue to participate in pension plans, life insurance plans, accidental death plans, extended health plans and dental plans during his or her leave."
If the premiums for these benefits were deducted from your pay cheques and you are no longer receiving pay cheques because you are on long-term disability, it follows that you will have to pay those monthly premiums on your own in order to maintain coverage. Your employer is not obligated to pay on your behalf. Refer to your company's leave of absence policy or speak with your human resources department to be sure.
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.