How long do Long-term Disability Insurance Benefits last?

Once you have been approved for long term disability benefits you may be wondering how long those disability benefits will continue to be paid by your disability insurer.  Long term disability policies are marketed as “peace of mind” insurance.  However, termination of benefits happens quite frequently.

A long term disability policy is a contract.  This contract will provide that benefits will terminate when you no longer meet the definition of disability as defined in the policy or if you reach a certain age – usually 65.

Most long term disability policies will define disability in two ways.  For the first two years of claim you would have to prove that you are unable to perform the essential tasks of your pre disability employment due to injury, sickness, illness or disease.  The test often changes after two years to whether you are totally disabled from performing any gainful occupation that you are suited to by way of education, training or experience.

In many instances disability insurance companies will cut off your benefits before you turn 65 and even before the two year mark.  You may see insurance companies use one of these familiar grounds:


  • you haven’t participated in the right treatment program
  • your social media posts show that you should be able to work
  • there is insufficient medical evidence
  • you should be able to do a sedentary job
  • your disability was due to an issue with your employer


If the above sounds familiar be rest assured that you are not alone.  The lawyers at Kotak Personal Injury Law are familiar with the manner in which long term disability claims are denied by disability insurance companies.

We offer free consultations and don’t charge until your case is resolved.  We represent people throughout Ontario, Alberta and for those who cannot meet us at one of our offices we offer consultation at your home, a local coffee shop, courthouse, by telephone, Skype or WhatsApp.

We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.
Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We can meet you at our offices, at a coffee shop, your home or a local court house. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.
Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.