Articles for Non-Lawyers

Are there any non-medical reasons why the insurance company might not pay my LTD benefits? by Patricia Santucci

Your policy will set out certain circumstances when your LTD benefits will not be paid. You should consult your employee benefits booklet for the specific details, but your policy may set out situations where you will not be paid benefits:
– if you are absent from Canada due to any reason unless you have received written authority from your insurance company
– if you are not receiving appropriate treatment as recommended by your treating physician
– if you do not participate in a rehabilitation program approved by your insurance company
– if you are on a leave of absence, strike or lay-off (except where the insurance company specifically agrees to the continuation of coverage or is required to by law)
– if you complete any work for wage or profit except as approved by your insurance company
– if you are serving a prison sentence or are confined in a similar institution (37)

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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

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