# Time frame that Long Term Disability lasts?

**URL:** <https://forum.resolutelegal.ca/t/time-frame-that-long-term-disability-lasts/898>\
**Category:** CPP Disability\
**Created:** [January 7, 2018, 10:13am UTC](https://forum.resolutelegal.ca/t/time-frame-that-long-term-disability-lasts/898 "2018-01-07T10:13:51Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![trev747](https://avatars.discourse-cdn.com/v4/letter/t/b2d939/32.png) [@trev747](https://forum.resolutelegal.ca/u/trev747)\
**Post date:** [January 7, 2018, 10:13am UTC](https://forum.resolutelegal.ca/t/time-frame-that-long-term-disability-lasts/898/1 "2018-01-07T10:13:51Z")

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Hi I was wondering if anyone knows how long a policy last a? when it states

agrees to make such weekly payments for the duration of such inability to perform the essential duties?

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**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\
**Post date:** [January 8, 2018, 1:17am UTC](https://forum.resolutelegal.ca/t/time-frame-that-long-term-disability-lasts/898/2 "2018-01-08T01:17:21Z")

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Mine says:

> Long-Term Disability coverage will end on the day you reach age 65  
> less the elimination period of 119 days or the day you retire, whichever  
> is earlier.

There is usually “own occupation” for 2 years and then “any occupation” (until 65 or a specific term).  
It depends on the policy.

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**Author:** ![David\_Brannen](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/david_brannen/32/2_2.png) [@David\_Brannen](https://forum.resolutelegal.ca/u/David_Brannen)\
**Post date:** [January 20, 2018, 4:39pm UTC](https://forum.resolutelegal.ca/t/time-frame-that-long-term-disability-lasts/898/3 "2018-01-20T16:39:32Z")

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> [@trev747](#):
>
> Hi I was wondering if anyone knows how long a policy last a? when it states
> 
> agrees to make such weekly payments for the duration of such inability to perform the essential duties?

Every disability policy sets out a “benefit period”. This is the maximum period benefits can be paid under the policy, assuming the claim is approved. A common benefit period is “to age 65”, but the benefit period can also be stated as a number of years 2, 5, 10, etc.

The statement highlighted above simply means they will pay benefits as long as “they” determine you meet the definition of total disability under the policy…or reach the end of your max benefit period.

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**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](https://resolutelegal.ca/free-consultation/) to request a free consultation **or call toll free 1-877-282-5188 to speak with a member with our disability claim support team.**