Did you know that your Internet Explorer is out of date?

Our website does not support Internet Explorer (IE8) or older. To ensure you receive the best possible experience on our website, please upgrade to a newer version of Internet Explorer or choose another web browser.

Group Disability


Disability insurance is one of your most valuable group benefits. It protects your earning ability, which could be your most important asset. If you are unable to work because of injury or illness, you can count on us for timely decisions, practical, caring support and assistance throughout any claims appeal process.

Your group benefits plan is customized to provide the disability coverage you need, as cost-effectively as possible. In most instances, during the waiting period and the following 24 months, you are considered disabled if, because of illness or injury, you are unable to perform the significant duties of your regular assignment. After this 24-month period, you are considered disabled if, because of illness or injury, you are unable to be gainfully employed.

For complete details about your plan, please log in to our secure self-service portal and refer to your plan contract.

Making a claim

Valued extras

Your LTD benefits include a number of valuable features, at no additional cost to you.

CAREpath, cancer assistance program
The CAREpath Navigation System, Survivor Support Program and Cancer Information Line can help you and your family navigate the health care system so you can receive the best treatment and support.

FeelingBetterNow®
This anonymous, web-based mental health care program is designed to help in the prevention, early diagnosis and ongoing management of common emotional and mental health issues.

CPP appeal services
If your CPP disability claim has been denied or terminated, an OTIP disability service representative (DSR) can assist you with your appeal.

Early Intervention
Early Intervention is a confidential support program, offered at no cost through your LTD plan, that provides support and assistance to help prevent or shorten the duration of an LTD claim. Your participation does not affect a future LTD claim submission, premium or any matters related to your plan.

Rehabilitation services
You want to get back to the job you love, and we want to help you. A professional OTIP Rehabilitation Consultant (RC) in your area will work with you to develop a return-to-work plan that fits your needs.