No 2 disabilities are alike. No disabled person has to deal with the same circumstances that other disabled individuals have to face. Consequently, Ontario has a number of different disability programs.
Employment insurance and sickness benefits
This covers workers that are sick for an extended period of time, or those that are tending to family-related events, such as the birth of a child. In order to qualify for such benefits, the employee must have completed between 420 and 700 hours of insurable employment.
Long term disability insurance benefits
These are offered to employees that work for an employer with a disability plan or with an insurance policy. A worker cannot apply for long term insurance benefits if he or she plans to seek Workers’ Compensation Benefits, according to Injury Lawyer in Milton.
Workers Compensation Benefits
These provide coverage to workers that were injured while carrying out their duties in the workplace. The covered employees work for an employer that is enrolled in the Workers’ Compensation Program.
Canada Pension Plan Disability
This program has been designed for those disabled workers that are 65 years of age or older. Still, not all workers that meet that age requirement can enjoy the coverage offered by this program. Each eligible, retired worker has paid into the Canadian Pension Plan. Those that have not paid into that Plan cannot benefit from the existence of the Pension Plan’s payments to disabled and retired workers.
One feature that is common to all of Canada’s disability programs
Regardless of the program to which a disabled person plans to apply, he or she must first get seen by a physician. In the absence of a doctor’s report, one that that confirms the existence of the applicant’s disability, the offerings of a given disability program cannot get delivered to the person that has requested them.
In some cases, the presentation of that doctor’s report must get followed by a round of testing. If the applicant has not yet retired, he or she must get tested for the extent to which any ability might get used in a setting that is similar to the setting in an earlier job. The tested men and women that show no evidence of possessing such an ability are deemed to be disabled, and do enjoy the accessibility of a specific plan.
Re-testing can take place at any time. That approach makes it possible for an employee to provide evidence of recovery from an injury. The recovered worker can return to the workplace. A recurrence of the earlier injury would necessitate another doctor’s visit, in order to obtain an updated medical report. Submission of that updated report should allow for re-introduction of any services that had been included in a Program’s offerings.