Benefit Amount and Duration
$3,200 per month
Paid bi-weekly at $1,476.92
Maximum duration: 5 years
Eligibility Requirements
You may be eligible for Long Term Disability if your Short Term Disability claim commenced November 1, 2024 or later. A separate Long Term Disability application is not required. Your Short Term Disability Canada Life Case Manager will continue to manage your claim and communicate with you.
The Case Manager will notify you if any additional medical information is required.
Income Offsets
The LTD benefit will be reduced if you receive other income, including:
Canada Pension Plan (CPP): CPP disability or retirement benefits are offset against your primary benefit only.
WorkSafeBC Benefits: Benefits from WorkSafeBC, except for permanent partial disability awards that were payable for 12 months before the disability period.
Recurring Disability Rules
If you return to work but earn less than 280 hours within 180 days, the disability will be treated as a continuation of your previous claim.
If you earn 280+ hours, any new illness or injury will be treated as a new claim.
When Your LTD Benefits End
Your benefits will stop under the following conditions:
Not Disabled: You are no longer considered disabled.
Medical Care Ends: You stop receiving care from a qualified healthcare provider.
Failure to Provide Proof: You don’t submit required documentation.
Refusal of Exam: You refuse a medical exam by a Canada Life-appointed physician.
Non-Compliance: You don’t follow the recommended treatment plan.
Unauthorized Travel: You leave the country without prior written approval.
Approved Travel: Travel is allowed if Canada Life confirms it won’t interfere with your recovery.
Return to Work: You return to work without prior approval.
Maximum Benefit Reached: You’ve received the full 5 years of benefits.
Age Limit Reached: You've reached 65 years of age
What's Not Covered
Benefits are not paid for any period of disability:
For a period where EI Maternity Benefits are being paid;
During a period of confinement in a prison or similar institution;
Resulting from civil commotion, insurrection, any act of war or hostilities between nations, or service in the armed forces of any nation;
During a period of employment, except in an approved Modified Return to Work program;
Resulting from treatment performed for cosmetic purposes only.
Travel While on Disability
If you plan to travel while receiving LTD benefits, you must obtain prior written approval from your Canada Life Case Manager.
Travel is allowed only if it does not delay your recovery or ability to return to work.
*Note: Refer to the booklets for detailed information, exceptions, and conditions for availing these benefits.