Long Term Disability Conditions

Different insurance companies have varying definitions of disability. In effect, the definition in your long-term disability policy will determine what benefits you will receive. There are insurance companies that provide insurance coverage, irrespective of type or severity of illness, provided the disability prevents you from performing the duties of your current job.

Some policies exclude certain illnesses. To become eligible for long-term disability benefits, your medical condition must fall in the definition of disability used in your insurance policy.

Other policies exclude injuries and illnesses that are covered under the Workplace Safety and Insurance policy. Before choosing a long-term disability insurance plan, always check with your insurance agent what is considered a disability in the plan.