Long Term Disability Benefits
Long term disability (LTD) benefits are based on the provisions
outlined in your group insurance policy. In most instances
- During the waiting period and the following 24 months, LTD
benefits provide income replacement when an insured member becomes
ill or injured and is unable to perform the significant duties of
their regular assignment.
- After this 24 month period, benefit payments continue if the
member's medical condition prevents him or her from being gainfully
employed.
Application Process:
Three forms are required to initiate an LTD claim:
- Member's Statement
- Plan Administrator's Statement
- Attending Physician's Statement
You can get these forms from:
- An OTIP representative 613-567-6847 or
- Your Union affiliate 613-596-3932
The Initial Assessment includes:
- The review of the 3 claim forms
- An initial telephone interview with the member
- Adjudication of the medical information provided
Tips for submitting your LTD application
When submitting your application for LTD benefits, please include
the following items, if available:
- Copies of any medical documentation related to your present
condition (including consultation reports, tests results and
x-rays)
- A copy of your auto insurance claim file and accident report,
if your claim is related to a motor vehicle accident
- A copy of your Workplace Safety Insurance Board (WSIB) claim
correspondence and present status, if your claim is the result of
an injury at work
The Claims Decision will be communicated to member verbally and
in writing. If the decision is to decline benefits, the reasons for
the denial will be explained.
If you wish, you may appeal the group life and disability claims
decision.
If you choose, OTIP disability services representatives (DSR) are
available to assist you in preparing your appeal.