Military Disabilities & SISIP

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SISIP (Service Income Security Plan) and Long Term Disability Benefits

Military Disabilities affect those who have given a tremendous sacrifice for their country. While fighting for our freedom, they suffered injuries that can be costly and timely to treat. Whether you are still active in the military or are a retired veteran, your injuries, whether physical or mental health related (including PTSD) can make it difficult to adjust to normal routines, social interactions or responsibilities.

SISIP LTD is a group Long Term Disability Benefit plan for Canadian Armed Forces (CAF) personnel. Manulife Financial is the insurance company providing these benefits. It provides Long Term Disability benefits for CAF personnel, whether they are released for medical reasons or leave the service voluntarily.

Click here for a link to the government website that provides additional information regarding the program.

Has Your SISIP LTD Claim Been Denied?

If your claim for SISIP LTD benefits has been denied, Share Lawyers has experience dealing with these claims and the unique provisions that apply specifically to claims involving members of the Canadian Armed Forces.




Rules regarding eligibility depend on a number of factors, but primarily on the status of the particular CAF member. CAF members in the Regular Force, Reserve Force or Class C service and Primary Reserve Force or Class A and B Service are eligible for SISIP LTD coverage.

Regular Force Members… Learn More

  • Covered if joined CAF before April 1, 1982 and applied for LTD coverage
  • Covered if they joined CAF after April 1, 1982 automatically

Reserve Force Members… Learn More

  • Covered if members of Primary Reserve on Class A or B service of 180 days or less
  • Covered if members of Primary Reserve on Class B service of more than 180 days, or on Class C service

Amount of Benefits

In general the benefit is 75% of salary, however calculation rules may differ depending on class of service, as some optional coverage is available for reserve members.

Submitting a Claim and Time Limits

All LTD claims have deadlines and time-frames to make claims. It is best to make inquiries about the deadlines that apply to you as soon as possible so that you do not miss any potential time limits or deadlines that could result in you not being able to pursue your benefits.

Not sure if you have a case? Use our Free Quiz Tool

We understand the patience and compassion that is needed to handle such a case, together with the need for sound legal advice. When you are suffering you are not at your best, and need the steady, compassionate advice of experienced Toronto long term disability claim lawyers to assist you in navigating your way to fair and equitable resolution of your claim.

There are time limits to all claims and any delay in proceeding may be subject to a deadline so you should not delay in proceeding with your claim or obtaining legal advice to clarify these deadlines.

Click here to take a Free Online Assessment now and find out if you have a case.

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