You may apply for long-term disability benefits if you are working and have a disability, medical condition, disease, or injury that renders you unable to maintain employment. However, it is important to note that you can only apply for long-term disability benefits if you are covered under a contract.
Long-term disability (LTD) is not offered by the government. It is not something that is available to everybody. It is something that a private person either buys for themselves or is offered to them as part of their employment contract. If you have become disabled and need help applying for long-term disability in Barrie, consider speaking with a lawyer at Rastin Gluckstein Lawyers today.
You do not have to be a Canadian citizen, and a work visa or permit will not affect your eligibility for long-term disability benefits, as long as you are properly insured under contract. As long as you are legally entitled to be working in Canada, you should be entitled to apply for benefits.
Eligibility for insurance will be a term in your contract. Most people are not offered long-term disability benefits until they have been working with the employer for a period of three to six months. It’s also important to remember that if you apply for benefits too quickly after becoming disabled, the insurance company may examine whether you had a pre-existing medical condition that forms an exclusion.
If the coverage extends to part-time employees, they could certainly apply for long-term disability in Barrie. In most contracts, disability coverage is only offered to full-time employees, but there are some limited contracts where insurance companies have been prepared to provide coverage to part-timers.
The general rule of thumb is that employees are required to work 25 or 30 hours a week to be covered. That will be defined in the contract. Suppose the contract will say they need to be full-time – to be covered full-time is defined as 30 hours a week or more. If they are not working 30 hours a week or more on a regular basis, they are not full-time, and they are not covered. That would default to their part-time status.
Unfortunately, the timeline is not generally decided in the contract. It is important to remember that the insurance company has an obligation to provide benefits to qualifying applicants, and they have a duty of utmost good faith, which means they should not delay the process.
Oftentimes, our lawyers find that insurance adjusters are overworked. They are dealing with things quickly, and if there is something wrong with the application, they will just send it back for more information.
This can delay a long-term disability benefits application in Barrie for months. If there is no reason to delay, insurance companies should make the decision about whether to pay coverage in several weeks. However, they often do not do that.