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Disability Law

Applying for Short or Long Term Disability insurance benefits should not be done alone. The forms may seem simple at first, but the qualifying process is indeed far from simple.

Short Term Disability (“STD”) benefits can provide income support for a prescribed period of time and are usually capped. These benefits can start as early as one week from the onset of a specific disability resulting in absence from work, and continue up to 52 weeks, depending on the particular group policy guidelines. Long Term Disability (“LTD”) benefits become accessible after what is known as a waiting period, which is usually covered by the STD benefits coverage period.

STD benefits are calculated based on your weekly earnings, while in contrast, LTD benefits are calculated based on your monthly earnings. While STD benefits are not subject to a definition change after a period of time; LTD benefits are subject to the test of “Total Disability”.

In some contracts, “totally disabled” means that a person is unable to perform his or her own occupation – meaning type of work such as welding, computer repair or teaching – not the specific job they were hired to do. Contracts that have an own occupation definition of disability usually change to an any occupation definition after a set period of time (usually 24 months).

In other contracts, “totally disabled” means that a person is unable to perform any occupation including any type of work for which he or she is reasonably qualified by education, training or experience. Your group benefits booklet usually serves to clarify how your contract defines “Total Disability”.

At Carr Law Professional Corporation, our experienced insurance litigators are ready to assist you in the following areas:

  • Short and Long Term Disability Claims
  • Depression, Anxiety and PTSD
  • Bipolar Disorder & Mood Disorders
  • Fibromyalgia
  • Critical Illness
  • Denied and/or Terminated Disability Benefits

Let our experienced insurance litigators guide you through your qualifying process.


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Located just north of Toronto, we assist clients throughout Ontario including Toronto & All of GTA, Mississauga, Oakville, Hamilton, Burlington, Brampton, Vaughan, Markham, Woodbridge, Richmond Hill, Newmarket, Scarborough, Oshawa, Pickering, Ajax.

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3550 Rutherford Road, Unit 84
Vaughan, Ontario, Canada
L4H 3T8

Phone: (905) 553-2572
Fax: 1 (888) 412-3521

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Mon - Fri: 8:00am - 5:00pm
Evening and weekends by appointment

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Our Law Practice includes lawyers and paralegals that specialize in different areas of law, some of which include:
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