Question 1

How much is long-term disability pay in Ontario?

Accepted Answer

As of 2025, long-term disability benefits in Ontario typically pay 60-70% of your pre-disability income, subject to policy maximums (often $5,000-$15,000 monthly). The exact amount depends on your policy terms, and benefits are usually reduced by offsets like CPP Disability (maximum $1,606.78/month in 2025), WSIB, or other income sources.

Question 2

What qualifies you for long-term disability in Ontario?

Accepted Answer

To qualify for LTD in Ontario (2025), you must have a medical condition that prevents you from performing your job duties ("own occupation" test for first 24 months, then often "any occupation" suited to your education/training/experience). You need to be under regular medical care, have satisfied your waiting period (typically 90-180 days), and provide medical evidence supporting your disability claim.

Question 3

What are LTD offsets and how do they work?

Accepted Answer

LTD offsets are other income sources that reduce your disability benefit. Common offsets in 2025 include CPP Disability (max $1,606.78/month), WSIB benefits, employment income, Canada Pension Plan retirement benefits, and legal settlements. Your insurer deducts these amounts from your gross LTD benefit to calculate your net payment. Offset formulas vary by policy, with some using "all source maximum" formulas.

Question 4

Can my LTD insurer stop my benefits?

Accepted Answer

Yes, insurers can terminate LTD benefits if they determine you no longer meet the policy definition of disability (especially after the 24-month "own occupation" period ends), if you fail to provide medical updates, refuse reasonable treatment, or reach the policy end date (typically age 65, or to age 67 for some 2025 policies). Many terminations are wrongful. Contact a disability lawyer immediately if your benefits are cut off.

Question 5

What should I do if my LTD claim is denied or underpaid?

Accepted Answer

If your LTD claim is denied or underpaid in 2025: (1) Do not sign any releases, (2) Request a copy of your complete policy and claim file immediately, (3) Contact a disability lawyer within days—appeal deadlines vary by policy but can be as short as 30-90 days, and litigation limitation periods in Ontario are typically 2 years, (4) Continue medical treatment and document all limitations. Most disability lawyers work on contingency (no win, no fee).

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