Long Term Disability (LTD) is a means of recuperating a portion of your income over an extended period of time if you are injured and cannot work due to an injury or illness.
You must either carry long term disability insurer purchased directly from an insurer or be a participant in a long term disability plan sponsored by your employer or union to be eligible for benefits. If an illness or injury prevents you from working, and if you have been disabled through what insurers call an ‘elimination period,’ then you can apply for benefits. You can begin the process by notifying your insurer or insurance representative, or by notifying the human resources department at your place of employment.
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