Knowing When Your Benefits End
Q: When do Short-Term Disability benefits end?
A: Short-Term Disability benefits under the Active Plan end when Tom is no longer disabled, stops receiving regular care, or reaches the 52-week maximum, whichever comes first.
After a few months of treatment, Tom feels ready to return to work. However, before making any decisions, he carefully reviews the conditions under which his Short-Term disability benefits could end. He learns that the plan will stop payments under several circumstances:
If he is no longer disabled
If he stops receiving continuing medical care
If he fails to provide proof of disability as required by Canada Life
If he refuses a medical exam requested by Canada Life
If he doesn’t follow recommended treatment
If he travels without prior approval from Canada Life
If he returns to work without Canada Life’s written agreement
If he reaches the 52-week maximum for a single disability period
Tom realizes that managing his recovery responsibly is essential to ensure his benefits remain intact. He discusses his plans with his case manager at Canada Life, who approves his gradual return to work. The insurance continues to provide support during this transition, giving Tom the confidence to resume his job without compromising his health.