{"id":25154,"date":"2025-05-06T09:27:31","date_gmt":"2025-05-06T13:27:31","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=25154"},"modified":"2025-05-06T10:01:53","modified_gmt":"2025-05-06T14:01:53","slug":"fast-facts-group-long-term-disability-coverage","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/group-benefits\/fast-facts-group-long-term-disability-coverage\/","title":{"rendered":"Fast Facts: Group Long Term Disability Coverage"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span> &gt; <span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/group-benefits\/\">Group Benefits<\/a><\/span> &gt; <span class=\"breadcrumb_last\" aria-current=\"page\">Fast Facts: Group Long Term Disability Coverage<\/span><\/span><\/div>\n\n\n<p><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-fast-facts-group-long-term-disability-coverage\">Fast Facts: Group Long Term Disability Coverage<\/h1>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__header\"><h3>Some plans offer back-to-work assistance to help you integrate back into the workplace following your illness or injury.<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>If you have a group Long Term Disability (LTD) plan, you have a valuable financial safety net that&nbsp;<strong>replaces a portion of your salary if you become injured or ill<\/strong>.<\/p>\n\n\n\n<p><span class=\"partial__border-bottom\">To avoid surprises during a difficult time, it&#8217;s important to understand what you&#8217;re covered for, how disability payments are calculated, and what factors could affect your level of coverage.<\/span><\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\"><strong>Here are seven points to keep in mind:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlerq5j1dp7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrq5j1dp7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-25154-4ce7fcf7\" aria-controls=\"accordionrq5j1dp7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"1. <strong&gt;Full coverage is not always automatic<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>1. <strong>Full coverage is not always automatic<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrq5j1dp7\" role=\"region\" aria-labelledby=\"accordion-titlerq5j1dp7\"><div class=\"collapse-inner\">\n<p>When you join a group Long Term Disability plan, you may or may not be eligible for full coverage automatically, depending on the plan. In many cases though, you can get base coverage without providing any medical information. In order to get the full coverage amount, you will need to provide medical evidence and be approved for coverage by the medical underwriting staff.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletlmrkp4k\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontlmrkp4k\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-25154-dfda3b31\" aria-controls=\"accordiontlmrkp4k\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"2. <strong&gt;Other disability income will affect your payments<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>2. <strong>Other disability income will affect your payments<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontlmrkp4k\" role=\"region\" aria-labelledby=\"accordion-titletlmrkp4k\"><div class=\"collapse-inner\">\n<p>For example, if you receive Canada Pension Plan (CPP) disability payments or payments from your auto insurer in the case of a car accident, these sources of disability income (also known as &#8220;offsets&#8221;) will reduce the amount of LTD benefits you&#8217;re eligible for under your plan.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title756nsl8u\" class=\"collapse-toggle collapsed\" data-target=\"#accordion756nsl8u\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-25154-4c928e03\" aria-controls=\"accordion756nsl8u\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"3. <strong&gt;Your payments may or may not be taxed<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>3. <strong>Your payments may or may not be taxed<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion756nsl8u\" role=\"region\" aria-labelledby=\"accordion-title756nsl8u\"><div class=\"collapse-inner\">\n<p>In most cases the disability monthly benefit can either be a pre-tax or after-tax payment. If you pay for the entire premium under your plan, your payment will be paid to you tax-free. If your employer pays any portion of it, the monthly benefit is taxable.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewiwver96\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwiwver96\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-25154-f65b8c60\" aria-controls=\"accordionwiwver96\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"4. <strong&gt;Some plans will adjust for cost of living<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>4. <strong>Some plans will adjust for cost of living<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwiwver96\" role=\"region\" aria-labelledby=\"accordion-titlewiwver96\"><div class=\"collapse-inner\">\n<p>Some group plans may include a Cost of Living Adjustment (COLA). This means your disability payment may keep pace with inflation.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlechsv22vz\" class=\"collapse-toggle collapsed\" data-target=\"#accordionchsv22vz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-25154-2dceb83b\" aria-controls=\"accordionchsv22vz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"5. <strong&gt;A waiting period may appl<\/strong&gt;y\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>5. <strong>A waiting period may appl<\/strong>y<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionchsv22vz\" role=\"region\" aria-labelledby=\"accordion-titlechsv22vz\"><div class=\"collapse-inner\">\n<p>Some plans have a waiting period (also known as an &#8220;elimination period&#8221;) before you&#8217;re eligible to receive benefits. If you become ill or injured, you must first submit your claim for approval. If approved, you will be eligible to receive disability benefit payments once the waiting period is over.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlev3fv9amr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionv3fv9amr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-25154-4713d42f\" aria-controls=\"accordionv3fv9amr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"6. <strong&gt;You can get help returning to work<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>6. <strong>You can get help returning to work<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionv3fv9amr\" role=\"region\" aria-labelledby=\"accordion-titlev3fv9amr\"><div class=\"collapse-inner\">\n<p>Some plans offer back-to-work assistance. For example, you may be eligible to participate in rehabilitation and return-to-work programs that will help you integrate back into the workplace following your illness or injury.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekmyxheoe\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkmyxheoe\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-25154-df8397c5\" aria-controls=\"accordionkmyxheoe\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"7. <strong&gt;Back-to-back coverage may be possible<\/strong&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>7. <strong>Back-to-back coverage may be possible<\/strong><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkmyxheoe\" role=\"region\" aria-labelledby=\"accordion-titlekmyxheoe\"><div class=\"collapse-inner\">\n<p>If your illness or injury recurs you may be eligible for additional benefits, and you may not need to restart the waiting\/elimination period. In some cases, you may be able to restart your benefits without delay.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image  mar-b-dbl mob-mar-b-dbl\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-want-to-learn-more\">Want to learn more?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Contact your Group Benefit Advisor or <a href=\"tel:18552642174\" data-dig-id=\"LP-25154-4106ceb4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"call&nbsp;1-855-264-2174\" class=\"rbc-link-format\">call&nbsp;1-855-264-2174<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Group-Solution_Get-Help-Card-copy.webp?quality=80&amp;w=606\" alt=\"A group benefits advisor helping a client over the phone\" class=\"wp-image-24077\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Group-Solution_Get-Help-Card-copy.webp 606w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Group-Solution_Get-Help-Card-copy.webp?resize=300,284 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Group-Solution_Get-Help-Card-copy.webp?resize=420,397 420w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fast Facts: Group Long Term Disability Coverage<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":15097,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-25154","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Fast Facts: Group Long Term Disability Coverage | RBC Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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