Throwing my name “Brian Goldfinger” into the title of the Toronto Injury Lawyer Blog posts makes the post sound like a Young Adult mystery novel. My daughter has found the titles to the Toronto Injury Lawyer Blog posts with my name in them quite interesting. But she has told me that the content of the posts doesn’t quite live up to the hype of the title. Let’s see if we can change that with this instalment.
There are a lot of Long Term Disability Insurance companies out there. Sometimes you get the chose which company you can go through by purchasing individual benefits outside of work directly from an insurer or an insurance broker. Other times, the individual has no choice and goes through their company benefit plan which was negotiated by the company or through the Union. Sometimes a company will switch benefit providers; so you may have stared with one private insurer; and then the entire company switches over to another long term disability insurer.
Sometimes there is choice. Other times, there isn’t choice.
It all depends on the individual facts and circumstances of employment.
Some examples of insurance companies which provide long term disability benefits in Ontario or Canada for that matter include, but aren’t limited to:
- Canada Life
- Great West Life
- La Capitale
- Blue Cross
- Industrial Alliance
- RBC Insurance
- Co-Operators Insurance
- Desjardins Insurance
- Equitable Life
Most auto insurers don’t offer long term disability insurance; the same way that most long term disability insurers don’t offer auto insurance. Although, there are a few companies which offer both. But this is not ordinary in the world of long term disability insurance.