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 Long Term Disability Claim Been Denied?

If you are unable to work and your claim has been denied by SISIP for Long term disability benefits, Share Lawyers has experience dealing with these types of disability claims and the unique provisions that apply specifically to claims involving members of the Canadian Armed Forces.  We are a law firm for PTSD disability claims and can help you get the disability benefits you are entitled to even if SISIP/Manulife refuses to pay.



Military And Disability Claims At The Change of Definition

Once you have been on long term disability for 2 years, your insurance company is going to investigate a change in the definition of what it means to be disabled.  This is a time where many Canadian Armed Forces members are denied their LTD Benefits with their insurance company telling them to go to Veteran Affairs to seek any further disability benefit payout.  While SISIP may be trying to divert responsibility to another group, there is still an obligation on their end to provide long term disability benefits to those who are still in need of such a benefit.  Whether you are dealing with PTSD or a long term injury, we suggest that you speak with one of our long term disability lawyers to understand the options that exist and to see how we can help you get your disability benefits.  If your claim has been denied, Contact Share Lawyers immediately.


Rules regarding eligibility depend on a number of factors, but primarily on the status of the particular Canadian Armed Forces 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

How Much Are My Long Term Disability Benefits

In general, for Canadian Armed Forces members, the long term disability 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 Long Term Disability 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 an experienced Toronto long term disability lawyer to assist you in navigating your way to fair and equitable resolution of your claim.  Contact us today for a free consultation with one of our disability lawyers to see how we can help you get your long term disability benefits.

There are time limits to all claims and any delay in proceeding may be subject to a deadline.  If your claim has been denied,  you should not delay in proceeding with your claim or obtaining legal advice from our team of disability lawyers to clarify these deadlines and see how we can assist in getting you your long term disability benefits.

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

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