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

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.