if you are on Long Term Disability Benefits the most volatile period of your relationship with your insurer will happen at the two year mark. Some policies limit their coverage at this stage. And this is also when many insurance companies begin aggressive campaigns to force you back to work into any occupation. Even if your medical situation remains unchanged you may find your disability benefits cut off completely or severely limited.
One in three Canadians will be disabled for 90 days or more, on at least one occasion, before the age of 65. Some workplaces offer their employees disability benefits as part of their compensation package. These are excellent “peace of mind” benefits. Or are they? Anyone who has tried to apply for these benefits will suggest otherwise.
As an ill or disabled employee, you may have tried to access your employment disability benefits. If so, you already know they are not the “peace of mind” contracts you believed them to be. Almost all short term disability benefits are denied by private insurers. Bram Lecker makes the argument for how simple it would be for the Federal Government to implement a National STD Insurance Plan for all Canadians, replacing the current circus playing out through private employment run plans.
Anatomy of Short Term Disability Claims. A majority of short term disability claims get denied. The insurance company will likely determine your condition to be ineligible or not serious enough. It does not matter whether this is completely contrary to a diagnosis by trained medical professionals. What is going on here?
WSIB Claims | The WSIB generally operates like any other insurance company. It is not in their best interest to pay out your benefits. And this results in harsh cost-cutting policies that often take priority over employee rights.