Understanding Disability Benefits – Overview

Book a FREE Initial Consultation

To Learn How We Can Build a Winning Case For You.

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


    Book a FREE Claim Assessment

    ...with our Disability Lawyers & Learn How to Successfully Secure Your Benefits.

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

      Understanding Disability Benefits

      Understanding the different programs and help available when you are unable to work due to an incapacitating condition will help you get clarity and remove some stress.

      Several sources of disability benefits exist to help when you’ve been unable to work after an accident, an injury, or any event that prevents you from performing regular work-related tasks for a significant period of time.

      We know that understanding what programs are available, how they relate to each other and if they apply to you can be confusing. We want to clarify the matter further to relieve your stress.

      From government disability benefit programs to private disability insurance plans, here is an overview, with links to more detailed information for each program.

      Federal Disability Benefits

      The Government of Canada offers several programs and levels of support to people unable to work.

      Provincial Disability Programs

      There are essentially 2 provincial programs to help people face short or long-term disability preventing them to work.

      Private Disability Insurance

      Most private insurance companies offer disability benefits through group or individual insurance plans.

      Government Disability Benefit Programs

      Federal Government

      To supplement your other sources of income if you’re living with a disability, the Government of Canada offers several programs:

      Firstly, if you’ve lost your job, or are unable to work through no fault of your own and need short-term financial assistance, you may be entitled to receive Employment Insurance (EI). You may be eligible to get up to 15 weeks of EI sickness benefits if you’re unable to work because of sickness, injury or quarantine.

      Secondly, the Canadian Pension Plan (CPP) Disability Benefits program  provides monthly payments for disability to people who have contributed to the plan during their working years. It’s considered a long-term disability benefits program. See: Canadian Pension Plan (CPP) Disability Benefits for more details and to determine eligibility.

      In addition, if you receive CPP disability and have children under 25 years of age, you might also be eligible for the CPP children’s benefits for dependents under 25. Read more here.

      For veterans, if you’re on disability from your service in the Canadian Armed Forces or Merchant Navy, you may be eligible for disability benefits for veterans. For more details, see this article about Disability Benefits for Veterans.

      In Ontario...

      In Ontario, the provincial government offers benefits and services through the WSIB (Workplace Safety & Insurance Board) as well as the ODSP (Ontario Disability Support Program).

      If you are ever injured or become ill because of your job, WSIB provides care and support you’re entitled to under Ontario’s workplace safety and insurance system. That includes benefits, as well as other support, such as return to work assistance. You can read more about WSIB benefits and services here.

      See also: Why You Need a WSIB Lawyer

      The Ministry of Children, Community and Social Services administers the Ontario Disability Support Program (ODSP) to help with your living expenses if you have a disability and become eligible to the program. The program offers both financial assistance, as well as other benefits and help.

      See also: What Illnesses Are Covered Under the Disability Act?

      Private Disability Insurance

      On the other end, many Life Insurance companies also offer Disability Insurance Plans.

      Many people receive insurance coverage for disability under a group health insurance plan subscribed to by their employer and sometimes by organizations such as professional associations for their members.

      Some people might also have subscribed to private disability insurance through an individual health insurance plan. This can be done regardless of an existing group insurance coverage to complement or increase overall coverage in the event of disability.

      In either case, the type of coverage depends on each plan, as well as eligibility, so it’s important to check your specific insurance policy’s terms for coverage as well as to what kind of benefits and support are made available.

      Both short-term (“STD”) and long-term disability (“LTD”) coverage exists with private insurance plans. Long-term disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.

      Short-term disability benefits are paid for up to 52 weeks, after an initial period when you become unable to work, usually 14 days. It’s an insurance policy that protects an employee from loss of income in the case that he or she is temporarily unable to work due to illness, injury, or accident.

      Short-term disability insurance does not protect against work-related accidents or injuries, as noted above, because these would be covered by workers’ compensation insurance offered by the WSIB.

      What Your Disability Lawyer Will Do

      The immediate goal is to remove the stress you and your family are experiencing due to a denial by the insurance company. Whether you are suffering from a long-term disability or from a partial disability, we specialize in cases involving Short Term Disability (STD) and Long Term Disability (LTD) Insurance Policies and Canada Pension Plan (CPP) Disability Claims. Himelfarb Proszanski also has an employment law group that ensures your employment rights are protected with your employer. No other personal injury law firm can provide this added service. That’s part of the HimPro Advantage™.

      Why Choose HIMPRO?

      Himelfarb Proszanski’s disability team has a strong reputation of successfully handling disability claims in Ontario. Some major local law firms refer us their client’s disability cases. Our track record of successfully handling 97.5% of denied disability claims proves that insurance companies take us seriously.

      We provide a combined century of trial experience which has led to the successful settlement of over 10,000 cases with combined settlement value in excess of 3/4 billion dollars. And finally, we’re the only firm to offer you the HIMPRO Advantage™.

      > Click on each title on the right to view the answers.

      Our Exclusive Guarantee
      • Your injury is assessed and your options are discussed
      • Your rights are protected and your claim is pursued
      • Your disability and other benefits are secured
      • You or a loved one obtains the award they deserve
      • You receive updates throughout the entire process – Our Communication Guarantee
      • Your injury assessments are booked with respected specialists
      • Your rehabilitation is optimized and personalized using our extensive network of rehabilitation and medical specialists
      • Your rehabilitation is monitored and tracked
      • Your case is managed by our lawyers from start to finish
      • You are made aware of options designed to maximize your settlement amount
      What We Offer
      • Free Case Evaluation
        Schedule your free no-obligation personal injury evaluation.
      • Hospital & Home Visits
        Visits are available free of charge anywhere in Ontario.
      • No Fees Unless We Win
        Our guarantee: we don’t get paid until your case settles.


      What They Say About Us

      Timing is Critical. Help is Free.

        Recover Your Disability Benefits

        Denied or Cut-Off? Don’t wait. Time is of the essence to recover your benefits.
        Book a Free Claim Assessment now with our disability lawyers by completing the form below.

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