Short-Term Disability (STD) – Ontario

Physiotherapy While on STD

 

Short-Term Disability (STD) provides income replacement if you’re temporarily unable to work due to illness, injury, surgery, or recovery (including after a motor vehicle accident or joint replacement).

In Ontario, STD benefits are typically offered through employer insurance plans (not through OHIP or WSIB). Coverage usually begins after a waiting period (often 7 days) and can last up to 15 to 26 weeks, depending on the plan.

✅ Key Points:

  • Income support while you're off work due to a medical condition

  • Medical documentation (from your doctor and/or physiotherapist) is required

  • Often managed through private insurers (e.g., Sun Life, Manulife, Canada Life)

  • Common reasons include: surgery recovery, musculoskeletal injuries, mental health, and chronic illness flares

    Need physiotherapy or rehab while on STD?
    We can help with personalized treatment plans and provide reports your insurance may require.

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