How long is the insurance company obligated to continue to pay me long-term disability benefits?

April 28, 2022

There are generally two broad restrictions on how long an insurance company is obligated to continue to pay you long-term disability benefits.

The first is based upon entitlement.
To receive benefits, you must continue to meet the disability tests under the applicable own occupation or any occupation provisions.

The second restriction is related to time or age.
Every contract for long-term disability insurance is different. Some contracts are time-limited; that is, they will only provide benefits for two years, or five years, or ten years, regardless of your age. Almost all contracts are also age-limited. Nearly every agreement in Canada provides for the entitlement to continue to receive long-term disability benefits as long as you qualify for benefits or until you reach the age of 65, whichever comes first.

Every policy is different, and it's easy to misunderstand when your benefits are supposed to end. Our long-term disability lawyers can review your specific contract and explain what applies to you. We take these cases on contingency, so there are no upfront fees. We're only paid if we win or your claim settles successfully. Contact us to schedule a free consultation and get clarity on your options.

How long is the insurance company obligated to continue to pay me long-term disability benefits?

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