Group Long Term Disability
Unique plans fitted to your workers which provide benefits for either:
• Sickness and Accident
• Accident only
• Accident and Serious Illness Disability Plan
• Long Term Disability and ASID Hybrid Plan
Frequently Asked Questions
Long-term disability for both injury and illness typically has a longer waiting period before it begins. If LTD coverage is paired with STD coverage, the long-term disability will usually commence when the short-term disability ends. However, for employees who are only participating in LTD coverage, the waiting period can be anywhere from 3-6 months before coverage starts.
YES! WSIB/WCB cases run in parallel to LTD and it is important to ensure notice and claim submission has occurred at the same time or as soon as possible.
Every plan is different and you should review your booklet or discuss with your plan administrator. Most plans define what it means to be disabled and have different periods and criteria for entitlement; usually called "Own Occupation" and "Any Occupation". If you satisfy all criteria on an ongoing basis the maximum entitlement is to age 65.
