Employment Insurance Sickness Benefits
EI sickness benefits are a temporary disability benefit. They are paid through the federal governments employment insurance program. EI pays 55% of your salary for 15 weeks.
To qualify, you must have paid into the EI program recently. You pay through deductions from your paycheque. These are automatic. So, if you got an official paycheque, you paid into the EI program.
You apply for EI benefits online through Service Canada. You can apply from home or at any Service Canada office. Your doctor needs to fill out a form to confirm that you cant work for the 15 weeks that EI covers. And finally, your employer will need to issue a Record of Employment to confirm your sick leave.
Please note: If you qualify for short-term disability, then you cant claim EI benefits at the same time.
You can learn more about EI by visiting our article on the EI sickness benefits program.
What Is The Disability Tax Credit
The disability tax credit is a non-refundable tax credit that helps persons with disabilities or their supporting persons reduce the amount of income tax they may have to pay. An individual may claim the disability amount once they are eligible for the DTC. This amount includes a supplement for persons under 18 years of age at the end of the year.
The purpose of the DTC is to provide for greater tax equity by allowing some relief for disability costs, since these are unavoidable additional expenses that other taxpayers dont have to face.
Being eligible for the DTC can open the door to other federal, provincial, or territorial programs such as the registered disability savings plan, the Canada workers benefit, and the child disability benefit.
Types Of Disability Benefits For Depression
If you become unable to work because of depression, you have a few options. You might be eligible for disability benefits from the government, your employer, or your insurer.
This list covers the possible options for depression in Canada:
- Employment Insurance sickness benefits
- Short-term disability insurance
- Provincial disability benefits
- Disability tax credit
Lets go over each so you know whether you qualify, how to apply, and how to appeal if they deny your claim.
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Is My Employer Required By Law To Offer Disability Leave
Only in certain situations. An employer can establish attendance and leave policies that are uniformly applied to all employees, regardless of disability, but may not refuse leave needed by an employee with a disability if other employees get such leave. An employer also may be required to make adjustments in leave policy as a reasonable accommodation for a worker with a disability. The employer is not required to provide additional paid leave, but accommodations for a disability may include leave flexibility and unpaid leave.
A leave policy that is uniformly applied to all employees does not violate the ADA just because it has a more severe effect on an individual with a disability. However, if an individual with a disability requests a modification of such a policy as a reasonable accommodation, an employer may be required to provide it, unless it would impose an undue hardship for the employer.
Work-related injuries must be evaluated on a case-by-case basis to determine if a worker is protected by the ADA. Only injured workers who meet the ADA’s definition of an individual with a disability will be considered disabled under the law, regardless of whether they are eligible to receive benefits under workers’ compensation or other disability laws. An employee also must continue to be qualified to be protected by the ADA.
A disabled employee may also be eligible for unpaid leave under the Family and Medical Leave Act . For more information, see our FMLA page.
Is Depression A Disability In Canada
Yes. All disability benefits providers in Canada recognize depression as a disability. Its a condition that can qualify for benefits.
However, a diagnosis on its own wont qualify you.
Providers pay benefits to people who can prove their conditions keep them from working. When reviewing claims for depression, providers focus on the seriousness of your symptoms. They will consider the medical treatment youve had and future treatment plans. They look at how your symptoms affect your work and how hard you tried to keep working.
You must have all of this documented in medical records or other paperwork with your claim.
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About Returning To Work:
Q. I really just want to get back to work. How can I make that happen?
A. Injured workers who return to the job as soon as medically possible have the best outcomes. They recover from their injuries faster and suffer less wage loss. Your decision about returning to work will be influenced by your doctor, your employer and the claims administrator. Communicate honestly and frequently with them for the best results.
If your doctor decides you cannot return to work while recovering from your injuries you cannot be required to go back to your job.
Sometimes you can go back to your job with work restrictions if your employer is willing and able to make accommodations. For example, your employer may change certain parts of your job or provide you with new equipment.
If your doctor says you can go back to work with restrictions but your employer is unwilling or unable to accommodate your injuries, you are not required to return to work.
Meanwhile, depending on your injuries, you may be eligible for TD, supplemental job displacement benefits or PD benefits.
Q. How is my ability to return to work determined?
A. Returning to work safely and promptly can help in your recovery. It can also help you avoid financial
losses from being off work. After you are hurt on the job, several people will work with you to decide when you will return to work and what work you will do. These people include:
Q. Can I work while I am recovering?
Q. I have work restrictions. Can I work?
Your Rights Under The Ada
Many people with bipolar disorder are able to maintain a job. Bipolar disorder is one of the many conditions covered by the Americans with Disabilities Act . This law is designed to protect people with disabilities from discrimination in hiring, job assignments, promotions, pay, firing, benefits, layoffs, and all other employment-related activities.
The ADA only applies to businesses with 15 or more employees.
People with bipolar disorder may want to consider that when looking for employment or considering changing jobs.
Your spouse is also protected by the ADA. The Equal Employment Opportunity Commission states that “The Act also makes it unlawful to discriminate against an applicant or employee, whether disabled or not, because of the individual’s family, business, social or other relationship or association with an individual with a disability.” For example, if your husband has bipolar disorder, you are protected if he requires emergency hospitalization and you must be away from work without warning because of this. The ADA is administered by the EEOC.
Other employees may not understand the rights a person with bipolar disorder has under the ADA. Often people think of disability only as physical impairment. Everyone should learn how the law applies so they know why accommodations may be required.
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You Can Apply For Both Ssdi And Unemployment But Be Careful
As the jobs picture in many parts of Louisiana continues to be depressed due to COVID-19 closures and stay-at-home orders, many of my clients are filing for disability but have also applied for unemployment benefits.
In many of my hearings, my SSDI clients are being asked by judges if they have filed for unemployment benefits.
The issue for your disability case is this: when you file for state unemployment, you are asserting that you are ready, willing and able to work, but when you apply for disability you are stating that your medical condition prevents you from being able to work.
What If I Work Many Hours For Someone Else
Generally, your monthly income matters most for your eligibility. However, working too many hours could affect your case.
For example, maybe youre working close full-time hours even though you dont earn over $1,260 per month. The SSA might consider you able to work a full-time job and deny you for benefits. It will be harder to convince Social Security that youre disabled if you can work many hours.
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To Work Or Not To Work
If youre going to a job a few days a week, the SSA might have a hard time believing your disability is severe enough to award benefits to you. Working while you wait for your benefits to begin is not forbidden. However, its a good idea to consider the type of work you do and where you do it while the Social Security Administration decides your condition and benefits.
The SSA is on the lookout for SGA . While they dont want you to have a disability that keeps you from working, if youre applying for benefits, you need to have a disability that keeps you from maintaining SGA.
If your part-time job looks like its providing you with too much income, you wont qualify for disability benefits. To avoid breaching the substantial gainful activity threshold:
- Non-blind individuals can earn no more than $1,260 per month
- Blind individuals can earn no more than $2,110 per month
The SSA monitors your earnings to make sure you arent exceeding the maximum each month. In some cases, when you earn too much money in a month, you could receive a lower benefit payment that month.
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Can I Work With Anxiety Disability Benefits
Nearly 10% of veterans struggle with anxiety, putting anxiety disability benefits at the top of the list of benefits given by the VA. This brings up a common question among veterans who have a claim for anxiety, which is, Can I continue to work after receiving VA Anxiety Disability Benefits?
Youll be happy to know that the short answer is, yes! You can continue to work, even with a 100% mental health rating.
Note because of HIPPA you are not required to disclose your medical records to your employer.
Of course, working may be difficult if you struggle with anxiety, especially if it is considered severe enough to get a rating of 70% or more. If you are struggling with psychological injuries and have yet to submit a claim to the VA for benefits, remember that VA claims for mental health generally pretty easy to win! Check out this video to see how:
You can also click HERE to find out how to get benefits for anxiety.)
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Consequences Of Not Reporting Work
Social Security is cracking down on individuals who knowingly do not report work activity. What will happen when Social Security finds unreported work activity? At the very least, you may find yourself in the situation of owing Social Security money , and at the worst you may find yourself being charged with Social Security fraud.
If you have an overpayment with Social Security, your benefits may be suspended until they collect all the money owed, or you may be allowed to make a payment arrangement with Social Security to pay back any money owed. Reporting all work activity will prevent overpayments and will allow you to receive information that may prevent your disability benefits from being suspended or terminated. For more information, see our article on what Social Security does when it finds an overpayment.
|Take our disability quiz to help you determine whether you qualify for benefits.|
Were Ready To Fight For The Benefits Youve Earned
Social Security disability is a complicated area of the law. But we know how to handle every type of situation you may face in the claims process. If your claim is denied, we will help you with:
- Reconsideration Our firm helps you complete the required paperwork and ensure that you meet deadlines.
- Hearing before an Administrative Law Judge We gather all medical records from your doctors and represent you at the hearing. We ensure that the judge hears an accurate and detailed description of your injury or illness.
- Review by Appeals Council If your claim is denied, we can file a brief with the Appeals Council. The council can make a decision on your case or return it to the administrative judge for further review.
- Federal Court review This is the last step in the appeals process. If your claim has still been denied, you have the option of filing a civil suit in federal district court.
Our legal team has the experience to help you at any stage of your Social Security disability case from your initial filing through your final appeal. With local offices in Raleigh, Fayetteville, Dunn and Clinton, we can help you protect your rights and receive the Social Security disability benefits that you have earned through your years of hard work.
To learn more, contact us today. Lets set up a free, no-obligation meeting to discuss your right to Social Security disability benefits and how best to get those monthly benefits into your bank account.
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Can I Receive Benefits If My Employer Is Going To Pay Me Vacation Sick Or Holiday Pay During My Claim
Vacation Pay: Yes, you can receive Disability Insurance benefits at the same time.
Sick Pay: You cannot receive DI benefits for any period that you also receive sick leave wages that are equal to your full salary. If you receive only partial sick leave wages, you may be eligible for full or partial DI benefits. The first seven days of your DI claim is a non-payable waiting period. Any type of wages paid by the employer during the waiting period do not conflict with DI benefits.
Other Pay: All other pay, including holiday pay, must be reported to confirm your eligibility. The first seven days of your DI claim is a non-payable waiting period. Any type of wages paid by the employer during the waiting period do not conflict with DI benefits.
How Does Social Security Know If You Are Working
The SSA is legally obligated to verify the details of your case from time to time.
Additionally, once approved for disability, you are required to update the SSA, by mail, phone, or in person, of certain changes that may impact your disability claim.
- If you work, no matter what you earn
- If you receive other disability benefits
- If youre offered services under the Ticket to Work program
- If you move
- If you change direct deposit accounts
- If youre unable to manage your benefits
- If you get a pension from work not covered by Social Security
- If you get married or divorced
- If you change your name
- If you care for a child who receives benefits
- If you become a parent after entitlement
- If a child receiving benefits is adopted
- If you have an outstanding warrant for your arrest
- If youre convicted of a crime
- If you violate a condition of parole or probation
- If you leave the United States
- If your citizenship status changes
- If a beneficiary dies
- If youre receiving Social Security and Railroad Retirement benefits
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Disability Tax Credit For Depression
The disability tax credit is a type of benefit that lowers your taxable income. To qualify, you must have a severe and prolonged impairment as defined by the program. But, this program has a higher standard than others.
Qualifying for this credit can get some of your previous taxes refunded. It depends on the timeline of your condition. You apply by filling out a T2201 form and sending it to Revenue Canada.
If Revenue Canada denies your claim, you can request an internal appeal. If that appeal fails, then you must go to the Tax Court of Canada to appeal again.
Need More Information On Getting Anxiety Benefits From The Va
If you have suffered from any form of anxiety, it is highly recommended to submit an anxiety compensation claim to the VA in order to receive both monetary benefits and the care that can better your quality of life.
Since most anxiety disorders are treatable today, receiving help may enable you to start working again, which will not affect your benefits. That is unless you are receiving benefits from TDIU for the inability to maintain substantial, gainful employment.
If you are able to work despite suffering from an anxiety disorder, the VA benefits can significantly help your income, making it easier to live the life you hope for. As a veteran, this is what you deserve.
If youd like further assistance in filing a claim to the VA for anxiety or would like help increasing your current rating for anxiety, our coaches are here to help! Click HERE to get started in the elite program right now!
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Interaction With Ei Sickness Benefits
You cant receive EI sickness benefits and short-term disability at the same time. In fact, if you do receive both, you will need to pay some back.
For example, imagine you got EI sickness payments for 2 weeks. Then, you get approved for short-term disability, and they will pay you for those same 2 weeks. This creates an overlap. If theres an overlap, then youll need to pay back the EI program.
After youre approved for short-term disability, youll receive a back payment. Then, you can refund EI using that money.