Current as of October 2026. Government programs, tax rules and prices change. Check the official sources listed at the end of this page before making a decision, and confirm details with a licensed advisor.
Identify the Type of Leave
Identify the leave and the jurisdiction that governs the employment relationship. Pregnancy or parental leave, an illness-related absence and an employer-approved personal leave can raise different questions. Do not apply one generic unpaid-leave rule to every employee who is away from work.
Check Applicable Employment Standards and Contracts
Ontario employment standards provide continuation rights for specified benefits during applicable statutory leaves, subject to the relevant rules. Contracts or other obligations may provide additional rights. Check the current provisions for the actual leave rather than assuming the insurer's administration instructions settle the employment-law question.
Employer and Employee Contributions During Leave
Where employee contributions are required, explain how they will be collected during a period without regular pay. Follow the applicable election and notice rules. Document communications and obtain advice before treating a missed payment as permission to end coverage.
Coordinate Disability and Other Insurance Provisions
Disability insurance, eligibility during absence and claims already in progress can require separate review. Ask the provider how the contract applies and coordinate with employment advice. Do not assume that a right to continue one benefit means every component operates identically during leave.
Document Coverage and Return-to-Work Dates
Record the expected leave dates, contribution arrangements and relevant notices. Confirm the process for extensions and return to work. Keep employee communications clear while restricting access to medical information to those who genuinely need it for the appropriate process.
Get Advice on Your Specific Leave Scenario
The benefits advisor, insurer, payroll professional and employment advisor may each have a role. GroupBenefitPlans.ca can connect you with a benefits professional, but it cannot determine an individual employee's legal entitlements. Resolve the specific case before changing the record.
Sources and further reading
GroupBenefitPlans.ca is a referral and information service. Advice and coverage are provided by the licensed professional and relevant providers. An enquiry does not activate insurance.