Blog Details

What to expect from long-term disability benefits

Suffering a serious injury or illness can be upsetting for numerous reasons. This includes the toll it can take on your ability to work and earn an income. However, there may be benefits available that can make the situation a little easier, like long-term disability.

Below, we explain a few basic aspects of long-term disability benefits and what you might expect in terms of filing a claim.

Types of insurance

There are different types of insurance when it comes to disability, including short-term and long-term disability benefits. There can also be benefits available if an injury occurred on the job.

Regarding long-term disability, there are two types of plans: group plans and individual plans. Understanding the type of coverage you have will be crucial in determining the benefits that may be available. If you are unsure of your coverage, you can talk to a lawyer.

What you may receive in benefits

Though specific benefits and calculations will depend on the type of coverage you have, generally speaking, long-term disability replaces a percentage of a person’s income for a specific amount of time.

As this article notes, most plans will cover between 60-70 percent of a person’s regular income. Benefits may last approximately two years, but they could end sooner or last longer, depending on the details of a claim.

Eligibility requirements

In order to collect long-term disability benefits, a person must meet eligibility requirements. This includes:

  • Having a condition that meets the insurance company’s definition of disabling
  • Having appropriate coverage
  • Being unable to work in either a specific occupation or any occupation, depending on the policy

Problems that can arise

Long-term disability benefits can be crucial to the lives of those who collect them. However, there are issues that can arise and make it difficult for a person to access these critical benefits. This can include wrongful denial of benefits and premature termination of benefits.

Should complications arise involving your long-term disability benefits, it is important that you take steps to understand your legal options. Too often, people assume they have no recourse or they hope the matter will resolve itself. However, these can prove to be costly assumptions, so it is important to discuss your case and possible remedies with your lawyer.

What Our Clients Say

Lois | Mississauga, ON

“I met with Michael on one of the worst days of my life. He put me at ease right away. He explained everything upfront and gave me confidence. The process was made clear and he kept me in the loop every step of the way. It was smooth and easy. I have recommended Michael to friends and family. Thank you so much, Michael, for your concern and professionalism!”

Raif | Mississauga, ON

“I hired Mr. Michael Walter to settle my Insurance claim following my car accident injury. His quality of work and follow-up on my case exceeded my expectations and his fees were fair”.

Cleide | Kitchener, ON

“Thank you to all the staff at Walter Law Group, for the good job done well. I am very happy”.

Derek | Mississauga, ON

“Michael’s knowledge and explanation of the step by step process of our case was reassuring. Also, his personality and positive outlook was very comforting to both of us”.

Catherine | Mississauga, ON

“During an extremely difficult time in my life, Michael provided not only outstanding professional legal council, but also compassion and reassurance which helped greatly”.

Willy | Toronto, ON

“My son and a friend recommended that I contact Carlos when I thought of lodging a claim against an insurance company. A big thank you for the favourable outcome of my claim. I would also like to mention that at all times you were friendly and efficient and a pleasure to have dealings with”.

Connie | Mississauga, ON

“Not only was Michael attentive to my requests, he delivered true professionalism, integrity and maintained a level of steady support throughout the difficult process. All combined made for a more deliberate outcome and resolve for my particular case.”

Bruce | Etobicoke, ON

“Thanks Michael for all your help and patience. Without your help and the help of your staff, I would have received nothing”.


Come Talk With Us

Our lawyers are ready to help you. Arrange a meeting by calling us at (905) 822-2646 or Email us today.

    Fields marked with an * are required

    Please contact me via...


    We Are Located At:

    1715 Lakeshore Road West
    Suite 103, Mississauga L5J 1J4

    Our Consultation Office: