Your lawyers are likely paying for duplicate coverage
Almost every group long term disability plan includes “direct offset” wording. This means that if a lawyer has an individual disability plan through the Canadian Bar Insurance Association, your group long term disability plan will reduce the long term disability plan benefit that could be paid by the same amount as the lawyers individual disability plan. This means the lawyer is paying for both plans but can only collect one. This is a common problem that we have solved for many lawyers and law firms in Alberta.