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I’m under unemployment since August 2024 . Reopening my claim in Wcb I just wonder if I can apply LTD while waiting my claim in Wcb ? Thank you
Hello,
You must apply for LTD if you have such coverage regardless of whether WCB approves your claim or not. The LTD policy has strict timelines within which you must submit a claim. Most LTD policies provide that WCB payments are deducted from the LTD payment which may lead to the LTD payment being zero, but you do want to protect your rights and have the LTD claim in place should WCB deny your claim or end payments at some time in the future in case you remain disabled.
Regards,
Lluc Cerda
Lawyer
You must apply for LTD if you have such coverage regardless of whether WCB approves your claim or not. The LTD policy has strict timelines within which you must submit a claim. Most LTD policies provide that WCB payments are deducted from the LTD payment which may lead to the LTD payment being zero, but you do want to protect your rights and have the LTD claim in place should WCB deny your claim or end payments at some time in the future in case you remain disabled.
Regards,
Lluc Cerda
Lawyer