Do I Have to Pay Insurance Premiums When I Am Disabled?

Knowing whether or not you need to pay disability insurance premiums during the course of an active long term disability claim is important when it comes to financial planning. You need to know whether or not you will have to set aside money to pay for disability insurance premiums if you are off work and seeking disability benefits.

Most policies waive insurance premiums during a disability claim

While you are approved for long-term disability benefits your insurance premiums for Long Term Disability and Basic Life insurance benefits are most likely waived. Be sure to check the wording of your specific policy. Insurance premiums for other insurance policies are not typically waived while a worker’s claim for disability is approved. Common premiums that are not waived include life insurance, accidental death, disability insurance, and critical illness insurance. This means that you have to continue paying for each insurance benefit if you want to be covered. Health and Dental benefit insurance premiums are also payable during most policies. Most often the coverages are for extended health benefits, prescription drug plans, and dental plans. Contributions to a pension plan are typically waived while you are receiving disability benefits. Pensionable service time most often continues to accrue while the disability claim remains approved. Once again, it is best to confirm what payments are waived by checking the policy wording for your Long-Term Disability Plan.

Health plan premiums during a disability claim

Most long term disability plans require premiums for health plans to continue when you are off work and on a disability claim. Paying for private health care benefits is important for most people as they require ongoing coverage for prescription drugs, massage, physiotherapy, dental care, and other items typically included in a private health plan. Also, many disabled workers have a spouse, partner, or child also covered under the plan.

Unsure about what premiums you will need to pay when you are off on long term disability? Contact our team today for a free assessment of your policy. We will tell you exactly what you need to pay and how to protect your benefits when you need financial security.

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Questions about a long term disability claim?

Jeff Mitchell is an experienced Long Term Disability Lawyer who has successfully advanced his client's interests in Toronto, Ontario, and the rest of Canada. To book your free consultation, call toll-free:1-833-633-3585 or, and tell us more about your disability claim and will tell you how we can help you.