Lecker & AssociatesNorth York, ON · October 14, 2026CPP Disability vs. Long-Term Disability (LTD) in Ontario: How the Benefits Work Together
An employee who cannot work because of illness or injury may qualify for both Canada Pension Plan (CPP) disability benefits and long-term disability (LTD) benefits under a private insurance policy. The two programs are separate, use different legal tests, and often interact through offset and repayment provisions in the LTD policy. That interaction becomes especially...
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