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Can Other Benefits Be Deducted From My Long-Term Disability Insurance Payment?

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Can Other Benefits Be Deducted From My Long-Term Disability Insurance Payment?

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benefits deducted long term disability

Your long term disability (LTD) insurance benefits can be reduced by other benefits that are being paid or are payable to you. Your disability insurance policy contains the reduction of LTD and/or offsets sections that describe how other benefits are treated. Some common deductions are reviewed below.

1. Canada Pension Plan Disability (CPPD) Benefits

The most common deduction is the Canada Pension Plan Disability or CPPD benefits. CPPD benefits are designed to provide partial income replacement to eligible Canada Pension Plan (CPP) contributors who are under age 65 with a severe and prolonged disability.

It is important to know that CPPD benefits that are payable to you might also be deducted. An LTD insurer usually asks you to apply for CPPD benefits. If you fail or refuse to submit an application, the LTD insurer might, at their discretion, estimate the amount of CPPD benefit that is payable to you and start deducting it. It is advisable to apply for CPPD benefits if you suffer from severe and prolonged disability preventing you from working.

2. Ontario Disability Support Program (ODSP) Benefits

The Ontario Disability Support Program or ODSP helps people with disabilities who are in financial need. Such benefits are not subtracted from your LTD benefits. Note, however, that your LTD benefits will likely be treated as income by the Ontario Ministry of Community and Social Services in the context of your ODSP entitlement.

3. Benefits Under the Workers Compensation Act

If you miss time from work because of a work-related injury or illness, you may be entitled to loss-of-earnings and other benefits under the Workers Compensation Act. Such benefits are normally treated as a deduction by your LTD insurer to reduce your LTD benefits.

4. Employment Insurance Benefits

Employment Insurance benefits are not normally deducted from your LTD benefits.

5. Termination Pay and Severance Benefits

Such benefits are normally treated as employment income and are deducted from your LTD benefits.

6. Other Group or Association Insurance Plans

Some workers might have long term disability coverage under multiple group insurance plans. This might happen where one works for multiple companies thus having access to several disability insurance policies. This might also happen when an employer has several disability insurance policies covering their employees. In such cases, no double-dipping is permitted. All group insurance LTD benefits are coordinated between disability insurers.

7. Individual Insurance Policies

Disability insurance payments under the individual insurance policy are usually treated differently: they are not deducted from your LTD benefits under a group insurance policy.

8. Income Replacement Benefits

If you are unable to return to your job due to the injuries you suffered in a car accident, you might be entitled to receive Income Replacement Benefits from your car insurer. Such disability benefits are not deducted from your LTD benefits. However, it is your car insurer that normally deducts your LTD benefits from your Income Replacement Benefits. Again, double-dipping is not allowed.

While the above describes a common treatment that other benefits receive in LTD insurance policies, it is always advisable to review your specific disability policy with a disability lawyer to ensure you are receiving all the benefits you are entitled to. If you think you have been unfairly denied disability, an informed disability lawyer can help.

Disclaimer: The content of this article is a general guideline made available for educational purposes only and is not intended to be used as legal advice for the reader’s specific situation nor in general. By reading our blog and website content, the reader acknowledges the above and understands there is no lawyer-client relationship created between you and Himelfarb Proszanski through this content. To get specific legal advice, we encourage you to book a free consultation with one of our lawyers to clarify the legal aspects of your situation.

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Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

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Sherene AlySherene Aly
16:02 23 Mar 24
I was very pleased with my decision to retain David and his team for my case. Melissa Gizzo was simply amazing and was able to secure a fair settlement for me.
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I highly recommend Dan Holland as a disability lawyer. His commitment to my case made the process seamless. Dan's clear communication and ability to simplify complex legal matters made it easy for me to understand every step. He demonstrated genuine concern for my best interests, making him not only a skilled attorney but also someone easy to talk to.Dan’s support extended beyond legal expertise; he alleviated my stress during the long-term disability case. His calm approach and unhurried demeanour ensured that there was no rush in our collaboration. This, coupled with his dedication, made the entire experience more manageable, fostering confidence in his ability to handle the case with meticulous care.I wholeheartedly endorse Dan for anyone seeking a lawyer who not only gets results but also prioritizes your peace of mind.
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My mom was involved in an accident impacting her daily life and ability to work. Dan Holland has worked with us during the duration of our case and has been helpful in fighting for her and supporting us, and organizing the things we needed. Our family is incredibly grateful of the outcome Dan was able to obtain for us. I would highly recommend him!
Faiza HamidFaiza Hamid
01:26 22 Dec 23
I'm so happy I chose Mena Brar and her team represet us . We could not ask for a better team she is so kind, loyal, and honest. she spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. I appreciate you. Did it for me and how this will help me get back on track with my life. keep helping others. You are doing amazing works, Mena Brar. I wish you all the best.
Brenda FurtadoBrenda Furtado
23:38 12 Dec 23
Many thanks to Silene Malhao for settling my husband's TORT claim and to Mena Brar for settling his accident benefits claim. These ladies made themselves available any time we had a question. They were very understanding and compassionate. We were completely taken care of throughout this process. We would definitely recommend this team to friends and family!
ShaunaShauna
15:52 06 Dec 23
We are so happy that we had David and his team represent us. We couldn't have asked for a better team. Not only is David incredibly skilled and experienced, he is kind and compassionate and it is clear how much he cares for his clients. Megan was also absolutely amazing to work with and was always on top of everything and there to answer any questions we had! Thank you!
Andrew CoutoAndrew Couto
23:10 21 Nov 23
I'm so happy I chose David as my lawyer. I spoke to a few lawyers before finding David and I noticed majority of them spoke to me in a way that felt demeaning or that my case wasn't big enough or important enough to take. One phone call with David and my opinion on lawyers changed. He spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. The whole process was wonderful. From dealing with David's law clerk Ingrid whom is an amazing and kind woman to his legal assistant Melissa whom is another amazing kind and talented young woman. I was so stressed about this case but from day 1 they helped ease that stress and always answered all my questions promptly and respectfully. I couldn't believe David got me to mediation within 6 months of being cut off my LTD and got me a settlement way beyond my expectations. I can't say enough good things about this law firm but I guarantee you that if you need a lawyer to fight for you David is your guy! . Believe me when I say this is the law firm for anyone dealing with personal injuries especially LTD denial claims. Thank you so much to David, Ingrid and Melissa you truly don't know how much I appreciate all you did for me and how this will help me get back on track with my life. Keep helping others you guys are doing amazing work! I wish you all the best!
Rose RegazziRose Regazzi
21:15 11 Oct 23
I sustained a relatively painful injury, affecting me long term.I wouldn't otherwise had pursued it, as it involved a relatively large corporation, but felt it necessary to do so. However, many lawyers were daunted, with one, who actually referred me to HIMPRO.I was connected with Dan Holland, who reviewed the case, provided with me realistic expectations, sound advice and had a willingness to move forward and represent me.His calm and professional demeanor, brought me to a place of reassurance. His ease in addressing all facets of this process, clearly demonstrated a wealth of experience. There was never any hesitation, when being challenged, and felt my best interest was always in the forefront.This case has since been resolved, to my complete satisfaction.Without reservation, HIMPRO (and Dan Holland, in particular), would be the only firm I would recommend for these type of cases.
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