Understanding Long-Term Disability: Do I Qualify?

Dealing with a long-term disability can significantly impact your life, especially when it affects your ability to work and maintain financial stability. In NB, NS and PEI, understanding the eligibility criteria and processes for long-term disability (LTD) benefits is crucial for individuals facing such challenges. This guide aims to provide a detailed overview to help you navigate the complexities of applying for and understanding LTD benefits in New Brunswick.

Understanding Long-Term Disability Coverage

Most Long-Term Disability policies aim to provide financial support if you become unable to work due to a disability. However, it’s essential to be aware of the specific terms and conditions of your policy:

• Coverage Details: Many policies cover any injury or disability that prevents you from performing your job duties. However, some policies may exclude certain pre-existing conditions or disabilities compensable under workplace compensation claims.

• Effective Date: Disabilities must have occurred after your LTD insurance became active. Pre-existing conditions or disabilities existing before your insurance coverage began are typically excluded.

Do I Qualify for Long-Term Disability?

To qualify for Long-Term Disability benefits, you generally need to demonstrate that you are unable to perform the essential duties of your current job due to your disability.

• Partial vs. Total Disability: Some policies require total disability, meaning you cannot perform any part of your job. Others may consider you disabled if you cannot perform most of the duties of your job effectively.

• Occupational Qualification: In some cases, you may need to prove you are unable to perform any job for which you are reasonably qualified, not just your current position. Check your policy documents for specific details.

When Can I Apply for Benefits?

Applying for LTD benefits typically requires you to be off work for a specified period known as the elimination or qualifying period:

• Waiting Period: This period usually ranges from 90 to 180 days (3 to 6 months). It ensures that the disability is indeed long-term and not a short-term injury.

• Short-Term Disability Options: During the waiting period, you may be eligible for Short-Term Disability benefits or Weekly Indemnity benefits, which provide temporary financial support for a shorter duration.

• Government Benefits: If you do not have access to Short-Term Disability benefits, you may qualify for Employment Insurance Sickness Benefits through the Government of Canada, offering up to 15 weeks of financial assistance.