In the event that you’re unable to work due to illness, injury, or accident for a long period of time; you may qualify for disability benefits or programs that are offered by the Government of Canada. These benefits vary between different provinces. Let’s take a closer look at the long-term disability programs available in Ontario:
Employment Insurance (EI) Sickness Benefits
This program provides benefits for workers who are unable to continue work due to sickness or family-related events such as having a baby. You will need to have accumulated between 420 and 700 hours of insurable employment during the qualifying period to be entitled to receive EI regular benefits.
Long-term Disability Insurance Benefits
Some Canadians are eligible to apply for long-term disability benefits – if they meet the criteria for this program. These benefits are set out to pay a replacement income for a longer period of time, usually to the age of retirement in Ontario which is 65 years old. To be eligible for these benefits you must be covered under a disability plan or insurance policy with your employer, union, or an LTD insurance policy you purchased on your own. If your injury is due to a workplace accident, see Worker’s Compensation Benefits below; as you cannot receive or qualify for both.
Canada Pension Plan Disability
You must be under the age of 65 years old to qualify for this plan and unable to continue work due to disability. To be eligible you must have made recent contributions to the Canadian Pension Plan; this is typically done automatically through payroll with your employer.
Workers Compensation Benefits
It is the law for most businesses to operate with their employees enrolled in a workers compensation program. Most workers are covered by the Provincial Workers Compensation Program in an unlikely event they are injured on the job or are unable to work for a long period of time. If your employer is not enrolled in a workers compensation program, you will not be eligible for these benefits in this case.
While every injury or disability case is unique, one thing for certain is you need your doctor’s support before deciding to go on permanent leave from work or applying for benefits. It is important to see your doctor immediately after being injured, to have it assessed and documented, as it is the most important factor to any application for disability benefits. Continue to visit your doctor to have your progress documented.
If you need help understanding or applying for Long-Term Disability Benefits in Ontario; or need legal advice with a personal injury case, contact the personal injury lawyers at Zayouna Law. Some cases can get too complicated to handle on your own. Allow our experienced team of lawyers to assess your case and work to get the compensation you deserve. Give us a call, and tell us about your individual personal injury case – it never hurts to get advice.