If illness or injury prevents you from working, short-term disability (STD) benefits can be a critical financial lifeline. For many Alberta workers, these benefits are the first source of income replacement while they focus on recovery. Unfortunately, valid short-term disability claims are frequently delayed or denied by insurers.
Understanding how short-term disability benefits work in Alberta—and knowing your legal rights—can make the difference between receiving timely benefits and facing unnecessary financial stress.
What Are Short-Term Disability Benefits in Alberta?
Short-term disability benefits in Alberta provide temporary income replacement when a medical condition prevents you from performing your job. These benefits are contractual, not government-run, and typically come from:
- Employer-sponsored group disability plans
- Union or association benefit plans
- Private or individual disability insurance policies
STD benefits are designed to bridge the gap between the onset of disability and either recovery or a transition to long-term disability (LTD) benefits.
How Much Do STD Benefits Pay in Alberta?
Most short-term disability plans pay 50% to 70% of your regular income, depending on the policy. Payments are usually made weekly or bi-weekly.
How Long Do STD Benefits Last?
In Alberta, STD benefits commonly last 15 to 26 weeks, though some plans extend up to six months. The exact duration depends on the wording of your policy.
Waiting Periods
Most policies include a waiting (elimination) period, often ranging from a few days to two weeks, before benefits begin.
Who Qualifies for Short-Term Disability in Alberta?
To qualify for short-term disability benefits, you must generally show that:
- You are covered under a disability insurance policy
- You have a medical condition or injury
- That condition prevents you from performing the essential duties of your job
- A healthcare professional supports your inability to work
Medical evidence is critical. Insurers rely heavily on physician reports and often deny claims by arguing that the documentation does not meet their definition of disability.
The Application Process for Short-Term Disability in Alberta
Applying for short-term disability benefits usually involves three key documents:
- Claimant Statement
You provide details about your job, symptoms, limitations, and how your condition affects your ability to work. Accuracy and consistency are essential.
- Employer Statement
Your employer outlines your job duties, work status, and any accommodations attempted. This helps the insurer assess whether you can perform your role.
- Attending Physician Statement
Your doctor confirms your diagnosis, functional limitations, treatment plan, and expected recovery timeline. Incomplete or vague medical reports are a common reason for denial.
Once submitted, insurers may:
- Request additional medical information
- Arrange internal file reviews
- Question whether your condition meets the policy definition
Delays often occur when insurers repeatedly ask for “clarification” or rely on insurer-retained medical reviewers.
How Long Does It Take to Receive Short-Term Disability Benefits in Alberta?
If documentation is complete, an insurer may issue a decision within a few weeks. However, many Alberta workers experience delays due to:
- Requests for further medical evidence
- Employer-related paperwork issues
- Internal insurer reviews
A delayed decision can place significant financial pressure on families—especially when benefits are urgently needed.
Common Reasons Short-Term Disability Claims Are Denied in Alberta
Short-term disability claims are frequently denied for reasons such as:
- “Insufficient” medical evidence, despite treating doctor support
- Failure to meet the policy’s definition of disability
- Missed filing deadlines
- Alleged inconsistencies between medical reports and claim forms
- Insurer reliance on paper reviews by doctors who never examine you
Many denials are not final and can be challenged with proper legal support.
What Happens When Short-Term Disability Ends?
In Alberta, short-term disability often transitions into long-term disability (LTD) if you remain unable to work. Mistakes made during an STD claim—such as weak medical evidence or damaging insurer correspondence—can negatively affect a future LTD claim.
Getting advice early can help protect both your current benefits and your long-term financial security.
How Kotak Law Helps with Denied Short-Term Disability Claims in Alberta
Kotak Law focuses exclusively on disability claims and has extensive experience representing Albertans whose short-term disability benefits have been denied, delayed, or terminated.
We assist by:
- Reviewing the denial and policy wording
- Identifying insurer errors and unfair tactics
- Working with treating doctors to strengthen medical evidence
- Handling all communication with the insurance company
- legal action where necessary
Our goal is to secure the benefits you paid for—while minimizing stress during an already difficult time.
No Fees Unless We Win
Kotak Law works on a contingency fee basis. There are no upfront legal fees, and you only pay if we successfully resolve your claim.
Frequently Asked Questions: Short-Term Disability in Alberta
Can I be fired while on short-term disability in Alberta?
Short-term disability benefits are separate from employment rights. While benefits may continue, employment issues can arise. Legal advice can help clarify your specific situation.
Is short-term disability the same as EI sickness benefits?
No. EI sickness benefits are government-run, while STD benefits come from private insurance policies. Eligibility rules and benefit amounts differ.
Can my insurer use surveillance during a short-term disability claim?
Yes. Insurers may conduct surveillance or rely on social media activity. Even normal daily activities can be misinterpreted.
What if my doctor supports me but the insurer denies my claim?
This is common. Insurers often rely on internal medical reviewers. A denial can often be challenged with stronger evidence and legal advocacy.
How long do I have to appeal a denied STD claim?
Deadlines vary by policy and can be short. Missing them may jeopardize your claim. Prompt legal advice is strongly recommended.
Get Help with a Denied Short-Term Disability Claim in Alberta
If your Alberta short-term disability claim has been denied, delayed, or terminated, you do not have to face the insurance company alone.
Contact the Lexpert-recognized disability lawyers at Kotak Law for a free, confidential consultation and find out how we can help you protect your income and your future.
