If you’re looking for a long-term disability Newfoundland (NL) guide, then you’re in the right place. In this article, I’ll review how long-term disability (LTD) works in Newfoundland, compare the different programs and benefits you can get, and provide you with a step-by-step process on how to apply.
Once you’ve read this article, you should know all about the benefits you can get and how to apply for them.
If you have any questions about this article or would like to discuss your situation with us, click on the button below to schedule a free case evaluation.
Long-term disability Newfoundland guide
This comprehensive guide to long-term disability in Newfoundland covers various aspects, including eligibility criteria, common disabilities, employment statistics, available benefits, application processes, and rates for different programs. From understanding qualifying conditions to applying for benefits, this article provides essential insights and steps to navigate the system effectively.
Let’s dive in!
What qualifies for long-term disability in Newfoundland?
Any condition can qualify for long-term disability insurance benefits in Newfoundland. Approval for benefits is not based on the diagnosis itself; rather, it is contingent upon how your condition prevents you from working.
The following are some examples of conditions that qualify for LTD in Newfoundland:
This list is NOT comprehensive. Just because your condition isn’t listed doesn’t mean you won’t qualify.
Long-term disability in Newfoundland
According to the 2022 Canadian Survey on Disability, approximately 31% of Newfoundland’s population reported living with a disability, marking a significant increase of 7.3 percentage points compared to 2017.
This rise highlights a growing recognition and reporting of disabilities within the province. The most commonly reported disabilities in Canada include pain-related conditions, flexibility and mobility impairments, and mental health-related disabilities, trends that are likely reflected in Newfoundland as well.
These findings underscore the importance of accessible services, workplace accommodations, and disability support programs to meet the needs of the province’s growing disabled population.
Employment among disabled populations in Newfoundland
The 2022 Census did not publish specific unemployment rates for individuals with disabilities in Newfoundland and Labrador due to data reliability concerns. However, national data from 2022 indicates that Canadians aged 16 to 64 with disabilities had an employment rate of 65.1% — 15 percentage points lower than the rate for those without disabilities at 80.1%.
This means people with disabilities had an unemployment rate of 34.9%, while Canadians without disabilities had an unemployment rate of 19.9%.
These figures highlight the significant employment barriers faced by disabled individuals in Canada as a whole, emphasizing the need for continued efforts in workplace accessibility and inclusion.
List of Newfoundland disability benefits
1. Long-term disability insurance
LTD insurance is available through:
- Employer group plans
- Private insurance policies
If you’re unsure whether you have coverage, check with your employer or insurance provider.
2. CPP Disability
CPP disability is a federal program that provides benefits to individuals with severe, prolonged disabilities preventing them from working.
To qualify:
- Earn less than $20,153.09 (before tax) per year (2025)
- Have worked and contributed to CPP through payroll deductions
- Maximum monthly payment: $1,673.24 (2025)
3. WorkplaceNL
If you were injured on the job, you may qualify for WorkplaceNL benefits, which provide:
- Medical and hospital coverage
- 85% of take-home pay while recovering
- Rehabilitation and vocational support
4. Newfoundland Disability Support Program (DSP)
This program helps cover disability-related costs like:
- Home support services
- Respite care
- Transportation and assistive devices
5. Disability Tax Credit (DTC)
The DTC provides tax refunds for individuals with disabilities. To qualify, you must be paying taxes or be a dependent on someone who does.
6. Registered Disability Savings Plan (RDSP)
If you qualify for the DTC, you can open an RDSP, which allows the government to contribute grants and bonds to your savings.
7. Newfoundland disability grants
- Home Modification Program (HMP): Provides funding for low-to-moderate income homeowners needing accessibility upgrades. Eligible individuals can receive up to $7,500 in forgivable loans or up to $10,000 ($13,000 in Labrador) in repayable loans for necessary modifications.
- Enabling Accessibility Fund (EAF): Supports projects that improve accessibility in communities and workplaces across Canada. Funding is available through three program streams, each with its own eligibility criteria and application process.
- Accessible Vehicle Funding: Helps individuals and families cover the costs of modifying or purchasing accessible vehicles. This includes installing hand controls, ramps, or lifts to improve mobility.
- Special Assistance Program: Provides essential medical supplies and equipment for eligible individuals, including:
- Dressings, catheters, and incontinence supplies
- Oxygen equipment and related supplies
- Orthotics (braces, burn garments)
- Mobility aids (wheelchairs, walkers, commodes)
Newfoundland disability rates 2025
Here’s a breakdown of the payment amounts for each disability benefit program in Newfoundland.
| Type of Benefit | Amount Paid (2025) | How Long Paid |
|---|---|---|
| Group LTD Insurance | 60-70% of wages | To age 65 |
| Private LTD Insurance | Fixed amount (varies) | To age 65 or more |
| CPP Disability | $1,538.67 (average), $1,673.24 (maximum) | To age 65 |
| WorkplaceNL | 85% of take-home pay | To age 65 |
How to apply for disability in Newfoundland
- Figure out what plan covers you – Check if you have employer-provided LTD or private insurance. See if you qualify for CPP Disability or WorkplaceNL.
- Get support from your doctor – Your doctor must confirm your inability to work. Book an appointment as soon as possible to discuss your disability leave.
- Get the correct application forms – Available online or from your employer.
- Complete the forms – Ensure accuracy and thoroughness.
- Write a cover letter – Keep it concise and attach all documents.
- Attend an interview with your claims representative – Be prepared to discuss your condition.
- Wait for a decision – If denied, you can appeal.
Having trouble with long-term disability Newfoundland benefits?
If your long-term disability (LTD) or CPP Disability claim has been denied, delayed, or unfairly cut off, you are not alone. Many people in Newfoundland face wrongful denials from insurance companies and rejections from Service Canada for CPP Disability.
At Resolute Legal, our Newfoundland long term disability lawyers specialize in appealing denied disability claims—whether through LTD insurance, CPP Disability, WorkplaceNL, or legal action. If you’ve been told you don’t qualify, your condition isn’t severe enough, or your claim lacks medical evidence, we know how to fight back and win.
How we win disability appeals
We use our trademarked Story Alignment Method™, a proven five-step system that persuades insurers, judges, and decision-makers to overturn unfair denials by:
- Rebuilding your case into a clear, persuasive argument
- Strengthening medical evidence to meet insurer or Service Canada criteria
- Developing a legal strategy to challenge unfair decisions
- Engaging in smart advocacy with insurers and decision-makers
- Maximizing your compensation and long-term benefits
Denied or cut off from LTD or CPP disability? Take action now
- Has your LTD or CPP Disability claim been denied?
- Did your insurer stop your benefits after a review?
- Has Service Canada rejected your CPP Disability application?
A denial is not the end. Many people win their benefits on appeal, but it takes the right strategy and strong advocacy.
Call (888) 480-9050 today or book a free consultation online.
We will handle your appeal, fight for your rights, and work to get you the benefits you deserve.
Download our free book
Want to learn how to secure long-term disability benefits? Download our free e-book, written by a disability lawyer! It covers everything from submitting a strong application to effective appeal strategies. Get your copy today!
