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Long Term Disability Insurance

Long Term Disability Insurance

We all hope to lead long healthy lives, but what happens if life has other plans? Long term disability insurance helps protect you financially if you develop a disability.

A disability is an illness or injury which prevents you from working as you would normally. Long term disability insurance provides monthly payments, like income, to ensure you are not draining savings to pay for daily needs, such as:

  • Mortgage or rent payments
  • Car payments
  • Rehabilitation services
  • Groceries
  • Electricity, water, and other bills
  • Medical services outside of standard healthcare
  • Credit card payments
  • Home care
  • Child care

Choose long term disability insurance through our brokers to ensure you have bespoke coverage for your individual needs.

Long Term Disability Insurance with Ron Johnston

For more than four decades, Ron Johnston Insurance has served the people of Ontario in a broad range of life and long term disability insurance services.

Being a local business, our team of experienced brokers know we aren’t just serving clients, but friends and neighbours. We strive to provide the greatest level of protection on all policies while meeting your budget needs with every long-term disability insurance quote.

When you work with Ron Johnston Insurance for your policy, you work with a team who believes in:

  • Above and Beyond – Our insurance brokers work around the clock to find the best deals for our clients. We aren’t satisfied until we know all your needs have been met, and you have peace of mind about your policy.
  • Express Claims – We offer express claims on our long term disability insurence for accessibility and convenience.
  • Customer Satisfaction – Your satisfaction is important to us. Our business is protecting you and your family from financial complications due to injury or illness causing disability. If you aren’t satisfied, we aren’t doing our job right.

What is Covered in Long Term Disability Insurance?

There are two main types of disability insurance covered through Ron Johnston Insurance, these are short and long term disability insurances. The two differ, both in length of coverage and conditions of disability. While short term coverage offers financial compensation for wages lost during a temporary inability to work, long term protection provides replaced income over an extended period.

There are many reasons one might file a long-term disability insurance claim, including but not limited tor:

  • Heart Disease
  • Heart Attack
  • Stroke
  • Chronic Fatigue Syndrome
  • Cancer
  • Multiple Sclerosis
  • PTSD
  • Anxiety Disorders
  • Mood Disorders
  • Seizures
  • Injuries to the Brain or Spine
  • Alzheimer’s Disease
  • Parkinson’s Disease
  • Colitis
  • IBS
  • Crohn’s Disease
  • Chronic Pain

Funds received through your long term disability claim may be used for a variety of purposes including your medical care and daily living expenses.

Your claim generally covers the first two years wherein you are unable to work. At the end of your two-year period, a reassessment determines whether you are totally disabled, and unable to return to any job for regular work.

Frequently Asked Questions

At Ron Johnston Insurance, we strive to ensure our clients understand all the fine print in a long-term disability insurance policy. To help with this we have included some of our most frequently asked questions.

If I am on long term disability benefits for two-years will my insurer stop paying?
Do I have responsibilities as an insurance benefit recipient while on long term disability leave from my job?
I filed for long term disability insurance benefits, but I’m worried my job will fire me. Can I be let go while on disability leave?
What happens if my condition improves while I’m on long term disability insurance?
Can I apply for long term disability insurance if I’m self-employed?
Will my long term disability insurance cover pre-existing conditions?
How long does it take to receive long term disability benefits after filing a claim?
Can I receive long term disability benefits if I am still able to work part-time?

Are you interested in learning more about long term insurance? We invite you to contact Ron Johnston Insurance today. Our friendly and experienced brokers are always happy to answer questions and will work closely with clients to design bespoke policies that meet all your needs. For a long term disability insurance quote, call 1-705-325-6200.

J Jeff Sieger

Their whole staff is great, and Chris is a lifesaver. Strongly recommend them!

F Fred Sansolita

Ron insurance we're really professional people and help me out greatly with my policy

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