Can I apply for long-term disability benefits in Toronto if I’m already receiving short-term disability?

Yes, you can apply for long-term disability (LTD) benefits while you are still receiving short-term disability (STD) benefits. Many disability insurance plans are designed to transition seamlessly from short-term to long-term coverage, ensuring continuous financial support if your condition prevents you from returning to work. 

Keep in mind that every insurer and policy may have specific requirements. If you're uncertain about the process or need assistance, consider consulting your insurance provider or a legal professional specializing in disability claims to help ensure a smooth transition.

By proactively managing your application and meeting the necessary requirements, you can maximize the chances of a seamless shift from short-term to long-term disability benefits in Toronto.