Articles for Non-Lawyers

How will income that I receive from other sources affect my LTD benefits? by Patricia Santucci

Your LTD policy will set out circumstances where your LTD payments will be reduced on account of other income you receive for the same disability, for instance, CPP/QPP and Worker’s Compensation. This is because you are not allowed to “double dip.” However your LTD benefit payment will likely not be reduced by income you receive from an individual disability plan that you have purchased for yourself. Again, you need to check the terms of the policy to be sure. You should consult your employee benefits booklet to see what other sources of other income will affect your LTD payments.

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