I have been on LTD for over 6 years and also have CPP D approved. My physical situation is still such that I am not able to work full time however recently I got an opportunity of full time employment. The nature of job is demanding and I think i might not be successful in that role, however part of me still want to make an attempt and try as best as I can. My question is that before going off of disability what are the items I need to consider? I know there is usually a clause in insurance that if the injury comes back within certain period, I can go back on disability but I am not sure how difficulty that would process would look like. Should I consult a lawyer before taking this opportunity? Also please note that this is a different company from the one who I worked before going on LTD. @David_Brannen I would really appreciate if you could please advise here
This is good news that you want to give returning to work a try, and may have an opportunity.
When considering something like this you want to be up front with both LTD and CPP disability. You want CPP disability to put you on their vocational rehabilitation program. Most group insurance polices do have a “recurrence disability clause” however, some of those don’t apply if you go to work for a different employer. You would need to read that section of your policy, or ask the insurer about it. Most of these recurrence periods are only for 6 months, but again it varies between disability plans.
David Brannen
Disability Lawyer with Resolute Legal
The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.
It depends on the province. Ontario has the strongest requirements under the Insurance Act (Ontario) to provide group members with a copy of the policy. Other provinces like BC, AB and QC require the insurer to provide a “certificate”, which summarizes the policy. In the other provinces there is no direct requirement and you must get a copy from the employer.
David Brannen
Disability Lawyer with Resolute Legal
The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.