Long-term disability insurance (LTDI) provides partial income replacement to a covered individual who is disabled from working due to illness or injury. LTDI benefits have a monthly maximum income replacement and can be offset by receipt of income from other income sources. Please note: an LTD insurance company can deny benefits if a claim is not filed timely. Please refer to the LTDI policy document for detailed information.

Information provided on these webpages is for informational purposes. Where this information differs from GIC policy or determination by the GIC or its representative, the latter will prevail.