When Do Long-Term Disability Benefits Start? Understanding the LTD Waiting Period

Posted on June 10, 2026 by kotaklaw

If an illness, injury, or medical condition prevents you from working, one of the first questions you may ask is: “When do long-term disability benefits start?” Long-term disability (LTD) benefits rarely begin immediately. In most cases, benefits start after a mandatory waiting period known as an elimination period. This period typically lasts between 90 and ...

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Long-Term Disability for Mental Health Claims in Canada (2026 Guide)

Posted on April 13, 2026 by kotaklaw

Mental health conditions can be just as disabling as physical injuries—but proving that to an insurance company is often far more difficult. Across Canada, people suffering from depression, anxiety, PTSD, burnout, and other psychological conditions regularly face denied or cut-off long-term disability (LTD) claims. A denial does not mean your condition isn’t real—it often means ...

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Disability Benefits Alberta: Your Essential Guide to Support and Resources

Posted on November 25, 2024 (November 25, 2024) by kotaklaw

What resources are available for people with disabilities in Alberta? The Alberta government offers the Assured Income for the Severely Handicapped (AISH) program, which provides financial and health-related assistance to eligible adults with a permanent disability that severely impairs their ability to earn a living. This program includes a monthly living allowance, a child benefit, ...

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Tag: long term disability

When Do Long-Term Disability Benefits Start? Understanding the LTD Waiting Period

Long-Term Disability for Mental Health Claims in Canada (2026 Guide)

Disability Benefits Alberta: Your Essential Guide to Support and Resources