Planning for the Future with Clear Guidelines
Q: When do Tom’s long-term disability benefits end?
A: Tom’s benefits end when he’s no longer disabled, stops receiving care, reaches the benefit maximum, or violates plan rules.
As Tom progresses through his recovery, he works closely with his Canada Life case manager to understand when his benefits will end. He learns that his long-term disability payments will stop under several conditions:
If he is no longer disabled.
If he stops receiving medical care.
If he fails to provide proof of disability when required by Canada Life.
If he refuses a medical exam arranged by Canada Life.
If he doesn’t follow the recommended treatment plan.
If he travels without approval from his case manager.
If he returns to work without written permission from Canada Life.
If he reaches the 260-week maximum benefit period.
Knowing these guidelines, Tom works closely with his doctors and case manager to plan a gradual return to work. Before traveling for a short vacation, Tom ensures he has approval from Canada Life to avoid any disruptions to his benefits. With a clear understanding of the rules, Tom feels empowered to manage his recovery responsibly, confident that his benefits will remain in place as long as he needs them.