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ARTICLE · 11 NOVEMBER 2024

Understanding Long-Term Disability Claims In Ontario

Nelligan Law
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This guide clarifies the medical and legal aspects of LTD claims to empower you with the knowledge you need to pursue a claim.

CanadaEmployment and HR
Hamish Mills-McEwan
Hamish Mills-McEwan

Navigating long-term disability (LTD) claims can be challenging, especially while managing health issues.

This guide clarifies the medical and legal aspects of LTD claims to empower you with the knowledge you need to pursue a claim.

What is a Long-Term Disability Claim?

An LTD claim arises when and individual who cannot work due to severe illness or injury applies to their LTD insurer for coverage. Some LTD claims are processed by the insurer and go smoothly. Other LTD claims result in denials of coverage, complicated requests for records and medical opinions, technical policy provisions, and convoluted appeals processes. In Ontario, LTD claims may be filed through employer-sponsored insurance or private insurance policies.

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