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ARTICLE · 08 JULY 2025

What Is Long-Term Disability Insurance And How Does It Work?

McLeish Orlando LLP
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It is important to consider long-term disability (LTD) coverage to protect your financial future. Imagine being unable to work for months, or even years...

CanadaLitigation, Mediation & Arbitration
Lindsay Charles
Lindsay Charles
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It is important to consider long-term disability (LTD) coverage to protect your financial future. Imagine being unable to work for months, or even years, due to a serious illness or injury. Without a steady paycheck, how would you cover your mortgage, utilities, groceries, or childcare? That's where LTD insurance comes in. It's designed to replace a portion of your income if you're unable to work for an extended period, offering financial stability when you need it most.

What Is Long-Term Disability?

Long-term disability is a condition where an individual is unable to work for an extended period due to a severe illness, injury, or medical condition. This inability to work can be temporary, lasting for months, years, or it can become permanent, preventing the individual from returning to their job.

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