If you intend to continue working past age 65, until recently, your employer could legally cut off your disability and life insurance benefits. A recent Human Rights ruling has made the matter a bit more difficult them.
Disability Benefit Contracts supposedly offer peace of mind – The promise of income replacement if you are suddenly disabled or taken ill. Yet claimants often find no peace of mind when they make a claim to receive them.
Illness and disability may cause you to take time off from work. During this time, you will be particularly vulnerable. Sadly, some employers act shortsightedly in such circumstances. Pegging you as “damaged goods”, a few may try to frustrate you into an unwilling resignation. Others may block you from accessing your disability benefits. And the worst offenders will outright fire you while you are ill.
Canadian physicians are prescribing marijuana with increasing frequency for pain, disability and chronic illness. Accordingly, with easier access, could workplaces encounter more cases of marijuana intoxication? Under our current laws, your employer can fire you for being intoxicated on duty. But the matter is not clear cut with medical marijuana. In this case, your employer must treat it like any other prescription drug.
The human condition is such that anyone can suffer an illness or become disabled at any time. It can occur suddenly or manifest itself over time. It can impact your life, your employment and in turn, your financial stability. That is why Ontario’s Human Rights Code offers employees some protection under these circumstances. When an illness or disability strikes, your employer must make reasonable efforts to ensure you remain employed. This is known as an employer’s duty to accommodate.
if you are on Long Term Disability Benefits the most volatile period of your relationship with your insurer will happen at the two year mark. Some policies limit their coverage at this stage. And this is also when many insurance companies begin aggressive campaigns to force you back to work into any occupation. Even if your medical situation remains unchanged you may find your disability benefits cut off completely or severely limited.