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The Employee’s Guide to Disability Claims in Ontario

The Employee’s Guide to Disability Claims in Ontario

If you or a loved one lives with a disability and requires financial assistance, it’s important to know what medical conditions qualify for disability benefits in Ontario – and how you can access them. Though many medical conditions can technically qualify, the details of each case and the extent of the disability are what really matter when it comes to what you can claim.

To help you understand what you may be entitled to, here’s an employee’s guide to disability claims in Ontario, including how to qualify for ODSP income support.

The Level of Impairment Determines Whether You Qualify

The reality is that there are many medical conditions that could qualify for disability benefits. However, the eligibility aspect is complicated because qualifications can be unclear and/or challenging. Qualifying for ODSP depends primarily on the level of impairment that the medical condition has caused. So even if your condition falls under the list, you could still be denied based on the degree of disability and whether it meets the requirements under your benefits plan.

Does Your Disability Prevent You from Working?

One key factor that counts when it comes to qualifying for disability benefits is whether your medical condition prevents you from being able to work. This includes in your current job or any that you may qualify for. If not, your claim could potentially be denied.

Disability Policies can Vary

Different insurance companies can differ with their policies, specifically when it comes to the details of what they constitute as a disability. This is why it’s imperative to thoroughly review and understand the different options that are available to you so you can be aware of the conditions that apply to your claim.

What Common Injuries and Medical Conditions Could Qualify?

Here are some of the most common injuries and medical conditions that quality for disability benefits, assuming that they have rendered you unable to perform your job:

  • Cancer
  • Chronic pain
  • Back and neck injuries
  • Fibromyalgia
  • Mental health problems
  • PTSD
  • Mood disorders
  • Chronic headaches and migraines

Medical Conditions that May Potentially Qualify

As mentioned, there are some grey areas when it comes to what conditions qualify. For example, certain conditions might not technically be described as disabilities, but can still impact a person’s ability to perform their daily tasks, requiring regular support and/or financial assistance. Examples of such conditions that may qualify include:

  • Spinal cord injuries
  • Nerve damage
  • Gender dysphoria
  • Bowel disease

Always Consult with a Legal Professional

Disability claims can be complicated and confusing to fully understand. But the longer you wait to apply, the longer you’ll be without the financial support you need. Speaking with a disability lawyer can help you sort through the complex process and jargon so you can understand what you are entitled to. They’ll also help you navigate through the entire claims process, including filing a lawsuit if need be.

If you need legal assistance and representation regarding your disability claim, our legal team at Zuber & Brioux are here to help. Contact us today!