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LTD disability

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  • LTD disability

    Could someone tell me, is LTD able to be used instead of w/c benefits. And is it 80% of your pay as apposed to 66 2/3%? Thanks.

  • #2
    Do you HAVE a an LTD policy, either purchased on your own or through the employer? What LTD pays is governed by the policy, not by law. 2/3 is common. But you can't double-dip.
    I don't respond to Private Messages unless the moderator specifically refers you to me for that purpose. Thank you.


    • #3
      Most LTD policies specifically exclude WC. There are some which will supplement the 2/3 received from WC. I've never ever come across one that would pay in place of TTD. And I've come across a lot of policies.
      I post with the full knowledge and support of my employer, though the opinions rendered are my own and not necessarily representative of their position. In other words, I'm a free agent.


      • #4
        There isn't any law that specifies 80% or 66 2/3s or 60% or any other amount. It's whatever the policy specifies. I've seen all three of the above; I've also seen 50%.
        The above answer, whatever it is, assumes that no legally binding and enforceable contract or CBA says otherwise. If it does, then the terms of the contract or CBA apply.


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