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Home FAQ Long Term Disability Lawyer FAQ What is the difference between short-term and long-term disability in Ontario?
Short-term disability (STD) benefits provide income replacement for a limited period, usually a few weeks or months, after an illness or injury. Long-term disability (LTD) benefits, by contrast, are designed to support you if your condition prevents you from returning to work for an extended period, potentially until retirement age. Both types of benefits are governed by your insurance policy, and the transition from STD to LTD often requires additional medical documentation and insurer approval.
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If your long-term disability (LTD) claim is denied in Toronto, the first step is to carefully review the denial letter from your insurance company, which should explain the reasons. Common reasons include insufficient medical evidence, missed deadlines, or disputes about ...
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To apply for long term disability benefits in Toronto, you typically need to submit an application form provided by your insurance company, along with medical reports from your doctor confirming that your condition prevents you from working. If you’re employed, ...
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Yes. Mental health conditions such as depression, anxiety, PTSD, or other psychiatric disorders can qualify you for long-term disability benefits if they prevent you from working. Insurers sometimes scrutinize mental health claims more closely than physical ones, making strong medical ...
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Short-term disability (STD) benefits provide income replacement for a limited period, usually a few weeks or months, after an illness or injury. Long-term disability (LTD) benefits, by contrast, are designed to support you if your condition prevents you from returning ...
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The time it takes to receive long term disability benefits in Toronto varies by insurer and case complexity. Once your claim is submitted, it may take several weeks to a few months for the insurer to review your application and ...
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