Articles for Non-Lawyers

How much will my LTD payments be? by Patricia Santucci

If your LTD policy is through your employer, you will typically receive 66.6% of your pre-disability salary. However, this amount can vary from policy to policy (from between 50% to 80%). Keep in mind that there will likely be monthly maximums that put a limit on the amount that you can receive. It is important to read your actual policy to determine the amount of your entitlement. If you have a “private” disability policy (not through your employer), benefits are pre-determined by the policy. Whether the benefit is taxed depends on who pays the premium. If the employee pays the premium, then the benefit is tax-free. If the employer pays the premium, the benefit is taxable. (32)

About the Author Patricia Santucci

Patricia Santucci is a personal injury lawyer born and raised in Hamilton, Ontario. She holds several degrees having attended King’s College at the University of Western Ontario, McMaster University, earned a Master of Arts degree at the University of Windsor and an Ontario Teaching Degree from Teacher’s College as well as her Ontario Teaching Certificate. After graduating from the University of Alberta law school she was called to the bar in 2000. You can find Patricia on and LinkedIn or directly through this website