LTD benefit is also a form of income replacement benefit that provides income to an employee who is unable to work due to an illness or an injury. Long-Term Disability benefits generally begin immediately after your short-term disability benefits end. If your employer does not provide short-term disability benefits, then long-term disability benefits typically begin after sick leave benefits from your employer ends or after EI Sickness Benefits end (15 weeks is the maximum period). Contact a long-term disability lawyer Toronto to learn more about the benefits you may be legally entitled to. Although it depends on the individual disability insurance policy, most LTD benefits typically replace between 60% to 80% of your normal or pre-disability income. Unlike short-term disability benefits, LTD benefits are typically payable to a claimant up to age 65.