5 Types of Disability Benefits in Canada

Disability can change your life forever. No matter the reason for your disability, there are certain short-term and long-term disability benefits and income replacement programs you can apply for to make sure you’re financially afloat. Here’s a list of benefits and programs you might be eligible for.

t: Engineer fitting a prosthetic arm


Sick Pay from Employer

The very first thing you need to apply for is your sick days. If you’re currently working somewhere and have banked up your sick leaves, make sure to apply for these to go on your disability leave. It’ll make sure you still get paid even if you can’t go to work. This will help to keep you going until you apply for a short-term benefit to support yourself financially.

Employment Insurance (EI) Sickness Benefit

Employment Insurance is a short-term income replacement benefit that can pay you for 15 weeks. To be eligible for this program, you need to:

· Have your income reduced by 40 percent or more.

· Be employed by a qualifying employer.

· Have at least 600 hours of insurable employment.

Short-Term Disability Benefits

Some employers might have short-term disability benefits which allow you to be paid for three months or more while on your disability leave. It’s also a short-term income replacement benefit that gives you time off work while keeping your job and receiving your income.

Not all employers offer such benefits. The duration of these benefits may depend on the policy. Make sure to check with your employer if they provide any such benefits. If they don’t, you might still qualify for the EI program.

Long-Term Disability Insurance Benefits

Some people may be eligible to apply for long-term income replacement. This provides you with income until you’re 65 years of age. Not all people are eligible for this insurance. You can only receive this if your employer or union has a workplace disability insurance group policy or if you’ve bought a long-term disability policy yourself.

A girl in a wheelchair using her phone


Canada Pension Plan Disability

Many Canadians are eligible to apply for disability income replacement under Canada Pension Plan. For you to be eligible, you need to:

· Be under 65 years of age.

· Be unable to maintain employment due to your disability.

· Be a recent contributor to the Pension Plan.

If you want to apply for disability benefits, contact Nanda and Associate Lawyers Professional Corporation. They have some of the best disability lawyers in Brampton. They have a team of Canadian immigration, real estate, civil litigation, and divorce lawyers who can help you with various legal issues. For any legal advice, book a free consultation right away!

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