How does one apply for disability insurance in Ontario?

To be eligible for disability insurance in Ontario, you must meet the following criteria:

- You must be a resident of Ontario.

- You must be under 65 years of age.

- You must have a valid Ontario Health Insurance Plan (OHIP) card.

- You must have worked for at least 490 hours in the 26 weeks immediately preceding your disability.

- You must have lost at least 40% of your pre-disability earnings due to your disability.

Step 2: Gather the required documents

You will need to gather the following documents in order to apply for disability insurance:

- A completed Application for Ontario Disability Support Program (ODSP) Benefits form (Form 1).

- Proof of your income, such as pay stubs, tax returns, or a letter from your employer.

- Proof of your expenses, such as rent or mortgage payments, food costs, and transportation costs.

- A medical report from your doctor or other qualified health professional that describes your disability and how it affects your ability to work.

- A copy of your valid Ontario Health Insurance Plan (OHIP) card.

Step 3: Apply for disability insurance

You can apply for disability insurance in Ontario by mail, fax, or in person at your local Ontario Works office.

- By mail: Send your completed application and supporting documents to the following address:

Ontario Disability Support Program

PO Box 159

Toronto, ON M5W 2X9

- By fax: Fax your completed application and supporting documents to the following number:

(416) 327-7777

- In person: Visit your local Ontario Works office and submit your completed application and supporting documents in person.

Step 4: Wait for a decision

Once you have submitted your application, it will be reviewed by the Ontario Disability Support Program (ODSP). You will receive a decision in the mail within 8 weeks.

If your application is approved, you will receive monthly disability benefits. The amount of your benefits will be based on your pre-disability earnings, your expenses, and the number of people in your household.

If your application is denied, you have the right to appeal the decision.