Long Term Disability (LTD) benefits provide income when you're injured or too ill to work.
Qualifying for LTD differs in each collective agreement. For example, there's a four-month waiting period for nurses covered by the Provincial Collective Agreement. Other contracts have longer qualifying periods.
But each collective agreement stipulates that you must be continually unable to perform your job's essential duties during the qualifying period.
LTD benefits are reviewed, decided upon and paid by an insurer.
Contact BCNU immediately if an insurer denies or disqualifies your LTD claim, as there are timelines that affect the appeal process. Learn more on the BCNU Long Term Disability Benefits web page.