When filing or appealing a long-term disability (LTD) claim in Ontario, you may encounter the term “vocational assessment.” This evaluation plays a significant role in determining your ability to work and, by extension, your eligibility for continued benefits.

A vocational assessment is a comprehensive evaluation of your skills, education, work history, and physical and mental capabilities. Conducted by a vocational expert, the assessment aims to determine whether you can perform other types of work that align with your abilities and experience.

Insurers often request vocational assessments during the transition from the “own occupation” to the “any occupation” definition of disability, typically at the two-year mark. The results of the assessment can significantly impact your claim. If the assessor concludes that you’re capable of performing other work, your benefits may be terminated.

To prepare for a vocational assessment, it’s important to be honest about your limitations while providing a clear picture of your abilities. Ensure that the assessor considers all relevant factors, including the impact of your condition on your stamina, concentration, and physical endurance.

If you disagree with the results of a vocational assessment, you have the right to challenge them. Consult with your healthcare providers and consider obtaining a second opinion from an independent vocational expert. This additional evidence can strengthen your case during an appeal or legal dispute.

Dealing with an LTD claim can feel overwhelming, particularly if you're already managing the challenges of a disability. Consulting with an experienced long-term disability lawyer can help you navigate the process, avoid common mistakes, and ensure you receive the benefits you deserve. A disability lawyer can review your policy, gather additional evidence, communicate with your insurer on your behalf, and build your case to ensure you receive a fair result.