The Government of Canada offers programs or disability benefits for those who aren’t able to work for a long period, due to injury or accident. Depending on the province you are in, the benefits may vary. For those in Ontario, below are some of the long-term disability programs that apply:
Most businesses are obligated by the law to enroll their employees in the Workers Compensation Program. If you get injured on the job, you will be eligible for the Workers Compensation Benefits. It also applies to those who are unable to work for a long time.
The Disability Insurance Benefits applies when an accident strips you the ability to work or earn income. It refers to both those can’t work temporarily or are disable permanently, by accident. In this program, you will receive payments that are part of your regular income, for a specified amount of time.
For eligibility, you must be covered by your employer or buy the policy on your own.
If your disability keeps you from working and are below 65 years of age, you are eligible for this benefit. You also need to have contributed to CPP for some years. The employer usually does it through payroll.
CPP (Canadian Pension Plan) Disability Benefits are monthly payments that may also be provided to the children of the recipient of the CCP disability benefits or a deceased contributor to CPP.
Misfortune happens when we least expect it. If you need legal guidance on which claims you can make after an injury or accident; feel free to contact Kalsi & Associates at (844) 905-2993