Your Ontario Short And Long Term Disability Insurance Company Can Deduct Some Other Benefits You May Receive

Short and long term disability insurance policies contain offset provisions. Typically your disability insurance company can deduct money you receive from the following sources:

  • Canada Pension Disability payments
  • WSIB payments
  • severance payments
  • retirement allowances from your employer

In fact many disability insurance policies stipulate that if Canada Pension Plan disability benefits or WSIB benefits are available but not applied for the disability insurer can deduct what would have been paid if the application had been made.

There are some exemptions and the contract should be looked at by an experienced disability lawyer to ensure that deductions are not being inappropriately claimed by your disability carrier.

At Kotak Law we have significant experience in successfully challenging disability insurers who have claimed deductions or have denied or terminated disability benefits.


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.