What is LTD (Long-term disability)?
In Ontario, long-term disability (LTD) claims typically involve meeting two main tests to qualify for benefits, although the definition may be different in your policy:
Own Occupation Test: Initially, you must demonstrate that you are unable to perform the essential duties of your own occupation due to your disability. This is usually the standard for the first two years of receiving benefits1.
Any Occupation Test: After the initial period, the test becomes more stringent. You must show that you are unable to perform the duties of any occupation for which you are reasonably suited by education, training, or experience1.
These tests are designed to assess your ability to work and ensure that benefits are provided to those who genuinely cannot work due to their disability. The transition from the “own occupation” to the “any occupation” test is a significant change and can impact your eligibility for continued benefits.
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Disclaimer: The explanations and information provided here are for general informational purposes only and are not intended to be legal advice. Always consult with a qualified lawyer or legal professional for advice specific to your situation.