Is long-term disability insurance the same as employment insurance (EI) sick benefits?
No, it is not. Employment insurance is a short-term program for people who have paid into it. It helps those who cannot work because of an injury or medical issue.
The “waiting period” for long-term disability insurance is the period of time that you must wait in order to receive long-term disability benefits. This period is often several months and will vary by policy. Moreover, long-term disability plans may cover you for many years and often provide coverage through age 65.
Employment Insurance has a two-week waiting period. EI sickness benefits may be available up to 26 weeks for financial assistance if you cannot work for medical reasons. As it currently stands, you may be eligible to receive 55% of your earnings up to a maximum of $695 per week.
Our long-term disability lawyer can help if you're not sure how these benefits work together. Ask us about your options in a free consultation. There are no upfront fees to get our help.
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FAQs.
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