Is long-term disability insurance the same as employment insurance sick benefits?

April 28, 2022

No, it is not. Employment insurance sick benefits is a short-term insurance program offered to claimants who have paid into the employment insurance program and are prevented from working at their occupation due to injury or medical condition. The waiting period under private or group long-term disability insurance (that is, the period you must wait before you are eligible for benefits) is often several months and varies based on the 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. And then you were entitled to receive benefits for only 15 weeks. However, the federal government has recently signalled its intention to increase unemployment insurance sick benefits coverage from 15 to 26 weeks.

Understanding which type of coverage applies to you, and for how long, can be confusing. Our long-term disability lawyers can help you make sense of your specific policy. 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.

Is long-term disability insurance the same as employment insurance sick benefits?

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