Types of Disability Insurance and Coverages

There are many types of disability coverages. The most common coverage comes from short term and long term disability insurance policies. What is considered "disability" is different in every policy, although there are some standards in the industry. Usually, short term disability will provide coverage in cases where an injured-disabled person is unable to complete the tasks of his or her own occupation. This is sometimes referred to as an "own oc" policy. Usually, a short term disability policy provides coverage for 2 years, after which time the policy pays out on a long term disability basis. Many policies of insurance then change the definition of disability and provide that the injured-disabled person must be unable to complete the tasks of any occupation (called "any oc" policies) for which the injured-disabled person is qualified to do based on their age, experience and education. This is a more difficult test to meet. If you do not have a private policy of insurance providing coverage in cases where you are injured or become disabled, the government of Ontario and Canada both offer publicly funded disability insurance - Canada Pension Plan Disability (Federal) and Ontario Disability Support Plan (ODSP). If you have been denied benefits under a private or government disability program or policy, contact Plant Quinn Thiele LLP at 613-563-1131. We have the experience needed to protect your rights and obtain the disability coverage you deserve. Ottawa Disability Lawyers, Marc-Nicholas Quinn.