Feature	Key Points
Own occupation	Cannot perform duties of YOUR occupation; most favourable
Any occupation	Cannot perform duties of ANY suitable occupation; more restrictive
Elimination period	Waiting period before benefits start; longer = lower premium
Benefit period	Max duration of benefit; "to age 65" is the long-term standard
Non-cancellable	Insurer cannot cancel, raise rates, or change terms to age 65
Guaranteed renewable	Must renew to age 65; class-based rate increases allowed
All-source maximum	Total from all income-replacement sources capped at 70-85% of income
CPP offset	Group LTD reduces benefit by CPP disability amount received