LTD/STD/CPPD: The mechanics and issues in these claims

Overview

In Ontario, one might find themselves unable to work due to illness or injury and disability insurance exists to provide financial protection for these unfortunate circumstances.

When considering eligibility for disability coverage, physical injury and impairment often comes to mind first. However, individuals who suffer from mental health issues, psychological impairment, or chronic pain can also qualify.

Ultimately, short-term disability and long-term benefits are available to be claimed by anyone who finds themselves unable to work due to illness or injury, as long as they have access to insurance coverage for disability.

CPPD (Canada Pension Plan Disability) benefits on the other hand, does not require insurance coverage, but are available to individuals who meet the CPP contributions requirements.

At the end of the day, STD, LTD, and CPPD benefits all exist to provide financial protection. However, when filing a claim for these benefits, it is imperative to know the distinctions and mechanism behind each in order to ensure eligibility and optimal coverage. 

 

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Short Term Disability

Although figures will vary depending on the insurance provider and the policy, generally, STD claims will cover 100% of an individual’s salary and will continue for around 25 weeks. STD insurance can be claimed by anybody who finds themselves unable to work due to illness or injury as long as they have access to insurance coverage for disability.

Long Term Disability

LTD claims generally kick in when STD claims end and will typically cover 55%-70% of an individual’s salary. Again, the waiting periods and figures will vary depending on the insurance provider and policy. Similar to STD claims, LTD insurance can be claimed by anybody who finds themselves unable to work due to illness or injury, and the duration of their STD claim proves to be insufficient.

Canadian Pension Plan Disability Benefit

Although the Canadian Pension Plan (CPP) is offered to those who are above 65 years of age, CPPD is available to individuals of any age. CPPD benefits do not require insurance coverage, but are available to individuals who meet the CPP contributions requirements and can substantiate that they are unable to work at any job that they are feasibly trained for.

Tort Claims

There are scenarios that possess the possibility of a tort claim. A situation can arise where an insurer may have mishandled a claim, or have breached the particulars of the disability contract. As well, there can also be a situation where one discovers that their original injuries were due to a party’s negligence. In any case, you’ll want a team of lawyers that understand all avenues of compensation from disability benefits to tort to analyze and consult the pros and cons of each path.

Our Commitment
Individualized Approach
When it comes to your disability claims, it can seem daunting to figure out and assemble all of the components that are necessary to build a strong case. This is especially true for those who have had their claims previously denied. At Gosai Law, we are committed to gain an understanding of your situation and explore avenues that won’t necessarily be easiest, but will be most beneficial to your unique case. Some Toronto-area personal injury firms have been publicly criticized for being “referral machines” , this is simply not the case with Gosai Law. When you work with us you are working directly with us, you are directly with us.
Maximum Compensation
Our strategies are curated for each client, with a tested process to ensure maximum compensation. If you ever find yourself in the unfortunate situation where you are unable to work due to illness or injury, this can affect your financial security (especially if a previous disability claim has been denied). This is why we fight for the maximum compensation - seeking retroactive payments starting on the date in which you begin (or began) filing your claim.
Specialized Expertise
At Gosai Law, we specialize in injury law. As such, we are highly experienced in assisting our clients in building their case for STD & LTD claims as well as for CPPD benefits. You can rely on us to analyze your case from all angles, persistently following up on any new leads and communications to ensure that you are compensated fairly.
Don’t Pay Until You Win
When you work with our team at Gosai Law, your current financial position will not be an issue. Most of the time, our firm works on a contingency fee - this means that until your case concludes and you are awarded compensation, you don’t pay until we win.
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Areas of Practice
The specific details of the cases that we handle are unique to each client and the circumstances surrounding each claim. In general, however, our cases fall into general categories that include:
Slip and Fall Accidents
Long-term Disability

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