Workers' compensation disability benefits

Each jurisdiction in Canada has some form of workers' compensation plan to provide benefits such as a “full loss of earnings benefit” to support workers who have lost income due to a work-related injury or illness.

Long-Term Disability (LTD) insurance benefits

LTD benefits offered by group insurance plans are meant to provide you with income following an illness or accident that renders you unable to work. You normally qualify for LTD benefits if you are employed and covered by an LTD plan. Your benefit and coverage are dependent on the provisions of your insurance carrier and the terms of your plan.

Other sources

Disability income may come from one or several sources depending on your individual circumstance. Veteran's Affairs Canada, Employment Insurance and the Canada Pension Plan all provide some form of disability or sickness benefit based on eligibility. These benefits, however, have no impact on your CAAT Pension Plan benefits. For more details, contact your employer’s Human Resources representative.