Comparing STD Benefits And LTD Benefits

Like any location where some workers in a pool of employees get sick or injured, Ontario’s employers must deal with requests for short term disability (STD) and long-term disability (LTD) benefits. Those same employers have to bear that responsibility on an ongoing basis. Consequently, employees in that named Canadian city often seek details on both types of benefits.

Who can apply for STD benefits? What about the LTD coverage?

Someone that has become unable to work, due to the effects of an injury or an illness can apply for the short-term benefits. Should such a person be granted those payments, they would continue until the sited problem has been cured or healed. Yet if the same problem persists for more than 1 year, then the affected worker has the right to apply for LTD payments.

When does the delivery of any STD payment first take place?

The arrival of that first delivery should be made as promised in the standard policy. That policy normally refers to the day that the worker first becomes unable to work. That is when the promise of the first delivery should be given to the temporarily disabled employee. The promise of the payment’s delivery has come in the form of an acceptance, acceptance of a submitted application. Once promised, that first delivery gets carried out within a month of that starting date. Then all of the following deliveries continue on a monthly basis.

For how long could the LTD payments continue?

The worker that has qualified for such monthly benefits should expect to receive them until he or she has turned 65. If there are any issues, it is best to contact a Personal Injury Lawyer in Oakville.

Is there a minimum amount of money available to someone that has requested short term or long-term payments?

An employee that will be out of work temporarily, due to the existence of a medical problem, will receive no less than $200 per month. This may be in addition to worker’s compensation benefits. The payment might be much larger. The payment’s size depends on the size of the worker’s salary, prior to occurrence of the disabling accident or emergence of the disabling illness.

An employee that expects to be unable to work for more than one year will get a minimum of $200 per month, if he or she is also receiving annual leave pay. Any employee that asks to receive LTD payments, while not on annual leave should get a minimum of $50 per month.

Again, a permanently disabled employee could certainly receive an amount that exceeds that minimum. The size of his or her monthly payment would reflect the size of a previous salary, as well as all the factors that work to determine the award’s payment’s size.

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