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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. <br>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. <br>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.