Do I need to be under continuous medical care to receive long-term disability benefits in Ontario?

Yes, to qualify for and continue receiving LTD benefits in Ontario, most insurance policies require you to remain under regular, ongoing medical care for your disabling condition. This demonstrates that you are actively seeking treatment and complying with medical advice to improve your health or manage your condition.

Insurance companies use this requirement to confirm that:

• Your condition genuinely prevents you from working.
• You are making reasonable efforts to recover or manage your condition.
• There is appropriate medical evidence to support the continuation of your disability benefits.

How often do I need to see my doctor?

The frequency of visits depends on your condition and your doctor's recommendations. Generally, seeing your healthcare provider at reasonable intervals (e.g., monthly, bi-monthly, or as necessary) is sufficient to meet the requirement. It is important to follow your doctor's advice and attend all appointments as required.

If you stop attending medical appointments or fail to follow treatment recommendations, your insurance company might consider this as non-compliance. This could lead to the suspension or termination of your LTD benefits.

Medical care can include visits to your family doctor, specialists, therapists, or any other healthcare professionals involved in managing your condition. It may also include participating in prescribed treatment programs, therapy sessions, or rehabilitation plans.

Some policies may allow alternative treatments, such as physiotherapy, chiropractic care, or naturopathy, as part of your medical care. It is important to ensure these treatments are supported by your physician and are documented to show their relevance to your recovery.

Your insurer will regularly ask for updates on your condition. This typically involves submitting medical reports, test results, or letters from your healthcare provider, confirming your diagnosis, treatment details, and prognosis.

Remaining under regular medical care and adhering to treatment plans is essential to maintaining your LTD benefits in Ontario. Always document your visits and treatments, and communicate with your insurer as required to avoid any complications.