Applying for short-term disability benefits in Ontario: Step-by-step guide [Video]

Navigating the process of applying for short-term disability (STD) benefits in Ontario can seem challenging. However, it can be straightforward when you know the rights steps to take. As a disability lawyer with extensive experience guiding numerous clients through this process, I’ve seen firsthand how the right preparation can make all the difference. This guide will walk you through the key steps to improve the chances of a successful STD benefits application.

Understanding STD benefits

In Ontario, short-term disability benefits provide financial assistance if you are temporarily unable to work due to illness or injury. These benefits typically come through your employer’s group insurance plan or a private policy. They are designed to cover 60% to 100% of your income during your recovery period and can last up to 26 weeks, sometimes as long as 52 weeks. The waiting period before benefits begin can be anywhere from one to 14 days.

1. Review your disability policy

Your first …