If you’re navigating the world of Canada Life long term disability benefits, you’ve come to the right place. In this comprehensive guide, we cover the essentials—from understanding the rules to applying for benefits, appealing a denial, and tips for winning your case. Whether you’re curious about Canada Life long term disability benefits or wondering what happens after two years, we’ve got you covered.
About Canada Life
The Canada Life Assurance Company is one of Canada’s leading insurance providers. Formed in January 2020 through the merger of Great-West Life Assurance Company, London Life Insurance Company, and Canada Life Assurance Company, it now offers a range of insurance and financial products. These include short- and long term disability plans for both individuals and groups.
Canada Life serves as both an insurer and third-party administrator for various disability plans, which means it may either directly pay benefits or manage plans funded by employers or associations.
Canada Life long term disability payment dates 2025
Canada Life typically issues long-term disability payments monthly. Exact dates may vary by individual policy or agreement. Review your policy details or contact Canada Life directly to confirm your 2025 payment schedule for accurate financial planning and timely receipt of benefits.
Canada Life long term disability rules
Canada Life’s long term disability rules are not one-size-fits-all. They depend on the specific policy or plan. Below, we break down the key scenarios:
Group disability insurance policies
For group plans, refer to your group benefits booklet or certificate of insurance, which summarizes:
- Eligibility criteria
- Payment amounts
- Claims process
You can request these documents from your employer, union, or association. These booklets are easier to access than the original policy document.
Individual disability insurance policies
If you purchased an individual plan, often used by self-employed professionals or executives, the rules are detailed in your policy. Be sure to review any amendments or riders that might affect your benefits.
Non-profit disability plans
In cases where Canada Life acts as a third-party administrator for a plan funded by a large employer or association, the rules are outlined in the “Plan Text” document. Note that:
- Appeal rights may be restricted.
- You may be required to follow a grievance process if part of a collective agreement.
Looking for more information on long term disability? Check out our guide on long term disability in Canada.
Applying for Canada Life long term disability benefits
To apply for benefits, you’ll need to complete the following forms:
- Claim Form: Filled out by you.
- Medical Form: Completed by your doctor.
- Employer Form: Completed by your employer.
These forms can be found on GroupNet, Canada Life’s secure portal, or by contacting your employer. Canada Life also has a “find a form” tool on its website. So you can find the disability claim forms there. Submitting forms digitally is quicker and more efficient. Need guidance with your application? Our team is here to help you every step of the way!
Checking claim status
The best way to check your claim status is by contacting your assigned advisor or logging into GroupNet. If issues arise, Canada Life’s internal complaints process can be your next step.
Appealing a denial of Canada Life long term disability benefits
If your claim is denied, here’s what you need to know:
Internal appeals
- Notify Canada Life in writing of your intention to appeal within the deadline (usually 30-90 days, as stated in your denial letter).
- Provide any additional medical evidence required.
- Request a copy of your claim file to understand the reasons for denial.
Legal appeals
If internal appeals fail, consider filing a legal appeal. Lawsuits are handled through your provincial court system and typically involve presenting your case to a judge. Hiring an experienced disability lawyer is crucial for navigating this process. Our team is ready to help you build a winning case—reach out for a free consultation today!
Tips for winning Canada Life long term disability benefits
Success requires preparation and strategy. Here’s how to improve your chances:
1. Keep meticulous records
Canada Life loves its paperwork, and you should too! Jot down every phone call, save emails, and keep every shred of correspondence. Request a copy of your claim file—it’s a goldmine of information. If there’s ever a dispute, these records can save the day.
2. Understand their playbook
Canada Life isn’t winging it. They have structured plans and strategies. Get ahead by:
- Participating fully in recommended treatments.
- Ensuring your doctor’s reports are detailed and paint an accurate picture of your condition.
- Being ready for independent medical exams (IMEs) they may require.
3. Stay organized with secure communications
Canada Life uses a secure email system. It’s fancy, but be careful: attachments expire in 21 days! Save or print everything the moment you receive it. This keeps you ready for any surprises.
4. Know the income thresholds
Policies often include a specific income cap—usually a percentage of your pre-disability income—that determines eligibility. If the threshold is 60%, understand how this impacts your case. It’s your ticket to clarity in an otherwise fuzzy process.
5. Anticipate medical scrutiny
Canada Life’s doctors don’t just skim your files—they dissect them. Counter this by:
- Ensuring your healthcare provider thoroughly documents your symptoms, treatments, and progress.
- Following all prescribed treatments.
If their review finds gaps, it could spell trouble for your claim.
6. Lean on legal support
Canada Life’s in-house lawyers are seasoned pros. Level the playing field by working with a disability lawyer who knows their tactics and can build a rock-solid case for you.
7. Persistence pays off
Don’t let delays or denials discourage you. Keep pushing forward, meet every deadline, and don’t be afraid to follow up. Need help? Contact us today to start your journey with a free consultation!
Canada Life short term disability benefits
The rules for short term disability claims are similar to those for long term benefits. Obtain your group benefits booklet for specifics and follow the claims process outlined. Canada Life’s role as either insurer or third-party administrator will dictate your appeal options.
Canada Life complaints process
If you’ve run into problems with your Canada Life long term disability claim or the service you’ve received, there are steps you can take to address the issue. Here’s how you can navigate their complaints process smoothly:
First, raise your concern with your claims advisor—if you’re working with one. If they’re unavailable or unhelpful, reach out to a customer service representative. Canada Life provides specific phone numbers based on your claim type and location. You can find the complete list here.
If the issue isn’t resolved, escalate your complaint. Call the appropriate phone number and ask specifically for an escalation. When you do, be prepared to explain why you’re dissatisfied and what resolution you’re seeking. Keep related documents handy, such as a complaint tracking number if one has been assigned. Canada Life will outline the next steps and provide an estimate of when you can expect a response.
If you’re still not satisfied, you can submit your complaint to the Ombudsman’s Office for a final review. Note that you must complete the earlier steps before proceeding to this stage.
Ombudsman Contact Details
- Mailing Address: The Great-West Life Assurance Company Ombudsman’s Office T 262 255 Dufferin Avenue London, ON N6A 4K1
- Phone: 1-866-292-7825
- Fax: 1-519-435-7679
- Email: [email protected]
By following these steps, you’ll ensure your complaint is addressed methodically and professionally. Taking a proactive approach can often lead to quicker resolutions.
Next steps: Canada Life long term disability
Navigating Canada Life’s long term disability benefits can be challenging, but you don’t have to do it alone. At Resolute Legal, we specialize in disability claims and appeals. Schedule a free case evaluation and take the first step toward securing the benefits you deserve.
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