Long-Term Disability
What is LTD Insurance Regulated?
LTD insurance in Canada is regulated at the provincial level and is therefore governed by your province’s laws, which may include:
- Insurance Act
- Statute of Limitations
- Rules of Court
Are All LTD Policies The Same?
If you drive a car, you must have insurance. Since car insurance is legally required, all car insurance policies in that province are fairly similar and must offer at minimum a certain amount of coverage.
Disability insurance policies are different. Because you aren’t obligated to have an LTD policy, there is no legally defined minimum or “standard” coverage. That means all LTD policies are different and can vary greatly from one to the other.
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