Canada Life Long-Term Disability Benefits What Happens After 2 Years

DEFINITION: Canada Life long-term disability benefits refer to financial protection provided by Canada Life Insurance Company to individuals who are unable to work due to a severe illness or injury that is expected to last for an extended period.

1. What happens after 2 years of receiving Canada Life long-term disability benefits?
After the initial 2-year period, the criteria for continued disability benefits may change. Instead of focusing on the inability to perform any occupation, the assessment may shift to determining if the individual can work in any available occupation that matches their skills, education, and experience.

2. Will my long-term disability benefits automatically stop after 2 years?
No, your benefits will not automatically stop after 2 years. However, the criteria for continued benefits may be reassessed based on your ability to work in any occupation.

3. What if I am still unable to work in any occupation after 2 years?
If you can demonstrate that you are still unable to work in any occupation, you may continue to be eligible for long-term disability benefits beyond the initial 2-year period.

4. Will my benefit amount change after 2 years?
The benefit amount may not change after 2 years, but the criteria for eligibility may change. It is important to review the terms and conditions of your specific policy to understand any potential changes in benefit amounts.

5. Do I need to provide updated medical documentation after 2 years?
Yes, Canada Life may require updated medical documentation to assess your ongoing eligibility for long-term disability benefits after 2 years. Providing clear and comprehensive medical records will help support your claim.

6. Can I appeal if my benefits are terminated after 2 years?
Yes, if your benefits are terminated after 2 years, you can appeal the decision. It is recommended to consult with a legal professional who specializes in disability law to guide you through the appeal process.

7. Are there any other benefits or support available after the initial 2-year period?
Depending on your specific policy, you may be eligible for additional benefits or support services after the initial 2-year period. It is important to review your policy or contact Canada Life directly to understand the full scope of available assistance.