Blog – Disability
Looking to stay up to date on the latest news and information regarding employment law and how it impacts your workplace situation. Use our information centre to find informative blogs, media commentary, Globe and Mail articles and other helpful resources to ensure you understand your workplace rights.
If you have become sick or injured, and find yourself unable to work, you may need to use your short term or long-term disability insurance.
Learn more about disability insurance, common reasons for claim denials and how to claim your rightful benefits.
How Long Does the Disability Tax Credit Take to Process?
In most cases, a complete Disability Tax Credit application takes approximately 8 to 12 weeks to process. This…
How Gaps in Medical Records Affect Your Ontario Disability Claim?
Gaps in medical records do not automatically disqualify a disability benefits claim in Ontario, but insurers often use…
Can Telehealth and Virtual Doctors Support a Disability Benefits Claim in Ontario?
Yes, telehealth and virtual doctors can support a disability benefits claim in Ontario, particularly for individuals who lack…
Can You Apply for Disability Benefits in Ontario Without a Family Doctor?
Taking medical leave is difficult and rarely straightforward. The process can quickly become overwhelming between navigating doctor appointments,…
How to Get Approved for Disability Benefits Without a Steady Treatment History?
Many employees in Ontario wonder whether they can qualify for disability benefits from their insurance company if they…
How to Apply for Disability Benefits in Ontario Without a Family Doctor?
Applying for disability benefits in Ontario from your insurance company can be complex, especially if you do not…
Disability Coverage and Age Limits in Ontario
The principle “you get what you pay for” applies not only to goods and services but also to…
How Much Is Short-Term Disability Pay?
In Ontario, short-term disability benefits are not standardized. How much you receive, when benefits start, and how long…
How To Get Short-Term Disability Approved For Anxiety And Depression
Trying to step away from work because anxiety or depression has become unmanageable can feel like a paperwork…
Can My Employer Deny My Short-Term Disability Claim in Ontario?
When you’re too sick or injured to work, short-term disability (STD) benefits are supposed to protect your income….
What’s The Difference Between Long-Term and Short-Term Disability?
Most people only look closely at disability coverage when they need it, and by then there is a…
Can My Employer Say I Quit While I’m on Short Term Disability?
When you’re on short-term disability (STD), the last thing you expect is for your employer to claim you…
What’s the Difference Between Long-Term Disability and Medical Accommodation?
Getting sick should not cost you your job or financial security. Whether you’re managing a temporary medical condition…
Can Mental Health Qualify for Short-Term Disability in Canada?
Bad boss? Toxic work environment? Is your mental health suffering? Let’s talk about your options. So can mental…
When to Buy Private Long-Term Disability Insurance?
If you suddenly became too sick or injured to work, how long could you manage without your income? …
What to Do Upon Returning to Work After Stress Leave?
Your body and mind undergo stress as a natural reaction to when you experience changes, challenges or demands….
Do I Have to Pay Back Short-Term Disability If I Don’t Return to Work?
If you’ve been on short-term disability (STD), you may be wondering what happens if you don’t go back…
Can I Get Short-Term Disability Through My Spouse’s Insurance?
If you’re unable to work because of an illness or injury, you may be wondering: “Can I get…
Terminated While on Medical Leave in Ontario?
If you’ve been terminated while on medical leave in Ontario or pressured to return to work before you’re…
Invisible Disabilities and Mental Health: How to Qualify for Disability Benefits in Canada?
Mental health struggles aren’t always visible, but they are very real. Conditions like anxiety, depression, PTSD, and other…
Am I Still Employed While on Long-Term Disability in Canada?
When illness or injury takes you out of work for months, uncertainty follows. Most people worry not just…
How to Transition From Short-Term to Long-Term Disability in Canada?
If you’re unable to work due to illness or injury, understanding how to apply for short-term disability (STD)…
Denied Long-Term Disability? How to Appeal Your LTD Claim in Ontario?
If your long-term disability claim was denied, you’re not alone and you’re not out of options. Many employees…
Can You Travel While on Short-Term Disability in Canada?
For many people, time away can help restore both mental and physical health. But if you are receiving…
How Does Short-Term Disability Work in Ontario?
When a health issue makes it impossible to carry on at your job, your focus should be on…
How Do You Transition from Short-Term to Long-Term Disability Benefits?
Navigating disability benefits through your workplace can be overwhelming, especially when you’re trying to understand the difference between…
Can I Ask to Return to Work Part-Time After Stress Leave?
Life happens to all of us. Finances, illness and loss can cause significant stress. Stress has a significant impact…
Can You Get Short-Term Disability Stress Leave in Ontario?
If you are unable to work due to an illness or injury, check to see if your employers…
Can You Take Paid Short-Term Disability for Mental Health Issues in Ontario?
What is mental health? Mental health is the state of your emotional, psychological, and social well-being, which impacts how…
Is Short-Term Disability Worth It for Severe Depression?
Statistics Canada’s Mental Health and Access to Care Survey (2022) shows that over 5 million Canadians experienced significant symptoms of mental…
How Long Is Short-Term Disability in Ontario?
When people have questions about short-term disability insurance, one of the first to come to mind is how…
What Qualifies for Long-Term Disability in Canada?
A serious illness or injury can bring more than medical challenges. It can put your livelihood at risk….
What the Change of Definition Means for Your Long-Term Disability Benefits?
Change is inevitable. But what does change mean when it comes to your long-term disability policy. If you’ve…
Top 10 Reasons Long-Term Disability Claims Get Denied in Canada
According to Statistics Canada, about 1 in 5 Canadians will suffer an injury at least once in their…
Can You Get Long Term Disability for Chronic Pain?
Living with chronic pain can make every workday feel impossible, yet many working Canadians don’t realize that long…
What Is Short-Term Disability?
If you’re off work because of an illness or injury, it doesn’t take long for the financial strain…
When a “Gradual Return” Threatens Your LTD Benefits?
If you’re unable to work due to a serious medical condition or injury, applying for disability leave may…
Can My Insurance Company Force Me to Do an Independent Medical Exam?
If you’re receiving long-term disability (LTD) benefits, you may be wondering: Can my insurance company force me to…
What Are Long Term Disability Benefits and How Do You Qualify?
If a medical issue is stopping you from working, it’s important to know about long term disability (LTD)….
How Do Insurance Companies Determine Pre-existing Conditions in Disability Insurance?
If you’ve recently applied for long-term disability (LTD) benefits and your insurer is talking about a “pre-existing condition,”…
How Do I Apply for Short-Term Disability?
When someone needs time away from work to recover from illness or injury, most would agree that the…
Long‑Term Disability in Ontario: Eligibility, Application & Tips
If a medical issue is stopping you from working, it’s important to know about long term disability (LTD)….
What to Do When Your Disability Insurance Disagrees with Your Doctor?
If you’ve applied for long-term disability (LTD) benefits, chances are you are probably dealing with a case manager,…
Denied LTD? What ‘Not Totally Disabled’ Really Means?
If you’ve filed a long-term disability (LTD) claim and your insurer says you are “not totally disabled,” as…
LTD Claim Denied for Anxiety or Depression?
In any given year, 1 in 5 Canadians will experience issues with mental illness.* Sometimes referred to as…
Can I Be Fired If My Short Term Disability Is Denied?
Are you unable to work due to medical conditions? Does your employer offer short-term disability insurance (“STD”) as…
How Long Is Short-Term Disability?
When life takes an unexpected turn – an injury, illness, or medical condition—it can leave you wondering how…
Short-Term vs. Long-Term Disability: What’s the Real Difference?
When a medical condition leaves you unable to work, understanding your options for income replacement is critical. Many…
How Long Is Long-Term Disability Insurance Coverage?
For individuals facing serious illness or injury, long-term disability (LTD) benefits often represent more than income. They provide…
What Is Short Term Disability and How Does It Work in Canada?
If you’ve been injured or diagnosed with a serious medical condition that keeps you off work, one of…
An Employee’s Rights While on Short-Term Disability
An employer may offer short-term disability coverage, in which case an employee’s earnings should be supplemented in the…
Can You Work While on Long-Term Disability in Ontario?
If you’re on long-term disability (LTD), you’re likely facing a paradox: you can’t fully work, but you might…
Is Long-Term Disability Taxable?
When you’re receiving long-term disability benefits, the last thing you want is a surprise letter from the CRA….
How To Apply For Long Term Disability?
If you’re facing a serious illness or injury that prevents you from working, understanding how to apply for…
How Much Does Long Term Disability Pay?
What is Long Term Disability? Long Term Disability (“LTD”) is an income replacement benefit usually available by virtue…
Can You Travel While on Long Term Disability?
What is Long Term Disability Long Term Disability (“LTD”) is an income replacement benefit that is intended to…
What Box on T4 Is Disability Insurance Premiums Claimed In?
Tax season arrives, and many Ontarians find themselves staring at their T4 slips, unsure of what to make…
Where to Claim Disability from Insurance Company on Income Tax: What Ontario Employees Need to Know
When you’re dealing with a serious illness or injury, the last thing you want to worry about is…
Can I Claim Disability Insurance Premiums on My Taxes? A Comprehensive Guide for Ontarians
Disability insurance is a financial lifeline for Canadians facing health challenges that prevent them from working. As an…
Is Menopause a Disability that Requires Accommodation?
The Menopause Foundation of Canada recently released a reported, entitled Menopause and Work in Canada, which estimates that…
What is the Duty to Accommodate Disability in Ontario?
What does the Ontario Human Rights Code say about substance abuse as a disability? The Ontario Human Rights…
Cigna Long-term Disability Claims: Disputes and Denials
Why do disputes arise between employees on long-term disability and insurers? The last thing that an employee on…
Separating Misconduct from Discriminatory Grounds of Illness/Disability
Human Rights law protects individuals in a workplace setting from being discriminated against on the basis of illness/disability….
Frustration of Contract and Long Term Disability Benefits
Employers should be familiar with the concept of frustrated contracts in employment law. Frustration considers what the parties…
Resigning Due to Illness or Disability: My Entitlements?
Disability and Human Rights Law in the Workplace: Employees have the right to be free from discrimination on…
Your Legal Rights in Disability Insurance Disputes
An employee who becomes disabled, or otherwise becomes incapable of performing the essential functions of their job, and…
Should I tell prospective employers about my disability?
Disability is a factor that can affect your job search efforts. For instance, there are disabilities classified as…
An employee’s legal rights to disability payments
An injury or health complication can cause an employee to seek disability payments and/or modified work. Where disability…
When will disability justify dismissal?
Seldom will a temporary illness justify dismissal. But what happens when a sick employee may never return to work? Can employers discard employees they view as festering on their disability insurance or must they keep their jobs available for an indefinite period of time? According to a recent Ontario case, employers may have more latitude than you think….
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