{"id":3701,"date":"2018-07-24T14:34:49","date_gmt":"2018-07-24T14:34:49","guid":{"rendered":"http:\/\/contelawyers.ca\/?p=3701"},"modified":"2018-07-24T14:34:49","modified_gmt":"2018-07-24T14:34:49","slug":"how-to-be-eligible-for-long-term-disability","status":"publish","type":"post","link":"https:\/\/contelawyers.ca\/how-to-be-eligible-for-long-term-disability\/","title":{"rendered":"What You Need to Do to Be Eligible for Long-Term Disability Insurance"},"content":{"rendered":"

How To Be Eligible For Long-Term Disability<\/h2>\n

Are you looking for everything you need to know about how to be eligible for long-term disability insurance? You came to the right place –\u00a0Check out our five-step guide to see if you qualify for long-term disability.<\/p>\n

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Are you are unable to work due to a medical condition or an injury? You may need to consider disability insurance.<\/p>\n

You may find yourself wondering where the long-term disability insurance is that you hear so much about. This type of insurance is meant to help you if you cannot work.<\/p>\n

The misconception that most people have is that they are simply going to get accepted. That is not always the case. You will have to fight to get your insurance. You will need to prove that you are deserving of it and plead your case.<\/p>\n

For those who are ready to\u00a0claim long-term disability insurance<\/a>, there are several steps that you are going to have to complete. Remember, the sooner you start acting, the sooner you can get it. It will take time for the decision to be made.<\/p>\n

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First Step<\/h3>\n

\"A<\/p>\n

The first step is to find out what\u00a0benefit plan\/programs you may qualify for<\/a>. There are several types of programs that are available in Canada for those who have a disability.<\/p>\n

Each one of these plans has its own requirements that you must meet in order to qualify.<\/p>\n

Here are some of the most common sources of disability income that a person can qualify for:<\/strong><\/p>\n

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  1. Sick pay:<\/strong> Sick pay is given to those employees who become sick while on the job. While most people think that this is only a few days, these days can be saved for when they are needed. Those who have been on the job for a while may have weeks or months\u2019 worth of sick days that they can use when they are too ill to work.<\/li>\n
  2. Short-Term Disability:<\/strong> Many employers offer a short-term disability benefit. This is meant to cover an employee for a short term of one to three months. It should be noted that not every employer has this type of plan to offer. This is something that you will have to double check with your employer.<\/li>\n
  3. Employer Insurance Sickness Benefits:<\/strong> This is a temporary program that is only available to eligible workers. There are several qualification requirements that must be met:<\/li>\n<\/ol>\n