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id=\"understanding-short-term-and-long-term-disability-policies-with-a-hybrid-definition\">\u4e86\u89e3\u91c7\u7528\u6df7\u5408\u5b9a\u4e49\u7684\u77ed\u671f\u6b8b\u75be\u548c\u957f\u671f\u6b8b\u75be\u4fdd\u5355<\/h2>\n<p>\u60a8\u7684\u4fdd\u5355\u53ef\u80fd\u91c7\u7528\u201c\u6df7\u5408\u201d\u6b8b\u75be\u5b9a\u4e49\u3002\u8fd9\u610f\u5473\u7740\u5b83\u7ed3\u5408\u4e86\u201c\u672c\u804c\u5de5\u4f5c\u201d\u548c\u201c\u4efb\u4f55\u804c\u4e1a\u201d\u7684\u67d0\u4e9b\u65b9\u9762\u3002\u4e00\u822c\u800c\u8a00\uff0c\u6b64\u7c7b\u4fdd\u5355\u5141\u8bb8\u53d7\u4fdd\u4eba\u5728\u7279\u5b9a\u671f\u9650\u5185\u8bc1\u660e\u5176\u65e0\u6cd5\u4ece\u4e8b\u672c\u804c\u5de5\u4f5c\uff0c\u6b64\u540e\u5219\u5fc5\u987b\u8bc1\u660e\u5176\u65e0\u6cd5\u4ece\u4e8b\u4efb\u4f55\u5176\u4ed6\u804c\u4e1a\u3002\u4f8b\u5982\uff0c\u5982\u679c\u53d7\u4fdd\u4eba\u5728\u65b0\u7684\u804c\u4e1a\u4e2d\u627e\u5230\u5de5\u4f5c\uff0c\u5176\u6536\u5165\u53ef\u80fd\u4f1a\u4ece\u798f\u5229\u91d1\u989d\u4e2d\u6263\u51cf\u3002\u4e3e\u4f8b\u6765\u8bf4\uff0c\u4e00\u540d\u539f\u672c\u6bcf\u6708\u9886\u53d6 8000 \u52a0\u5143\u798f\u5229\u7684\u4f1a\u8ba1\u5e08\uff0c\u53ef\u80fd\u5f00\u59cb\u62c5\u4efb\u9500\u552e\u5458\u7684\u65b0\u804c\u4f4d\uff0c\u6bcf\u6708\u83b7\u5f97 6000 \u52a0\u5143\u7684\u85aa\u916c\u3002\u5982\u679c\u5176\u6301\u6709\u6df7\u5408\u4fdd\u5355\uff0c\u5176\u65b0\u7684\u798f\u5229\u91d1\u989d\u53ef\u80fd\u4f1a\u51cf\u5c11\u81f3 2000 \u52a0\u5143\u3002<\/p>\n<p>\u5982\u679c\u4fdd\u5355\u91c7\u7528\u6df7\u5408\u6b8b\u75be\u5b9a\u4e49\uff0c\u53d7\u4fdd\u4eba\u9700\u8981\u4e86\u89e3\u6b8b\u75be\u5b9a\u4e49\u4f55\u65f6\u53ef\u80fd\u518d\u6b21\u8f6c\u53d8\u3002\u5178\u578b\u7684\u671f\u9650\u901a\u5e38\u4e3a 24 \u4e2a\u6708\u3002\u5728\u6b64\u671f\u9650\u5c4a\u6ee1\u4e4b\u524d\uff0c\u4fdd\u9669\u516c\u53f8\u901a\u5e38\u4f1a\u91cd\u65b0\u5ba1\u67e5\u53d7\u4fdd\u4eba\u7684\u6863\u6848\uff0c\u4ee5\u786e\u5b9a\u5176\u662f\u5426\u4ecd\u7b26\u5408\u65b0\u9002\u7528\u7684\u6b8b\u75be\u5b9a\u4e49\u4e0b\u7684\u798f\u5229\u8d44\u683c\u3002\u5728\u8bb8\u591a\u60c5\u51b5\u4e0b\uff0c\u5f53\u6b8b\u75be\u5b9a\u4e49\u53d1\u751f\u8f6c\u53d8\u65f6\uff0c<a title=\"\u591a\u4f26\u591a\u957f\u671f\u6b8b\u75be\u5f8b\u5e08\" href=\"https:\/\/grillo.ca\/zh-hans\/long-term-disability-lawyers-toronto\/\">\u957f\u671f\u6b8b\u75be\u798f\u5229<\/a>\u53ef\u80fd\u4f1a\u88ab\u7ec8\u6b62\u3002<\/p>\n<h2 id=\"an-example-of-a-shift-in-the-definition-of-disability\">\u6b8b\u75be\u5b9a\u4e49\u8f6c\u53d8\u7684\u793a\u4f8b<\/h2>\n<p>\u5982\u679c\u96c7\u5458\u7684\u4f24\u75c5\u4f7f\u5176\u65e0\u6cd5\u505a\u5230\u4ee5\u4e0b\u5404\u9879\uff0c\u5219\u53ef\u88ab\u89c6\u4e3a\u6b8b\u75be\uff1a<\/p>\n<ul>\n<li>\u5c65\u884c\u5176\u65e5\u5e38\u804c\u4e1a\u7684\u4e3b\u8981\u804c\u8d23\uff1b\u4ee5\u53ca<\/li>\n<li>\u4ece\u5176\u65e5\u5e38\u804c\u4e1a\u4e2d\u8d5a\u53d6\u81f3\u5c11 80% \u6216\u4ee5\u4e0a\u7684\u6536\u5165<\/li>\n<\/ul>\n<p>12 \u4e2a\u6708\u540e\uff08\u6216\u5f53\u6df7\u5408\u5b9a\u4e49\u9002\u7528\u65f6\uff09\uff0c\u53ea\u6709\u5f53\u4f24\u75c5\u4f7f\u96c7\u5458\u65e0\u6cd5\u505a\u5230\u4ee5\u4e0b\u5404\u9879\u65f6\uff0c\u8be5\u96c7\u5458\u624d\u4f1a\u88ab\u89c6\u4e3a\u6b8b\u75be\uff1a<\/p>\n<ul>\n<li>\u5c65\u884c\u5176\u6839\u636e\u6559\u80b2\u3001\u57f9\u8bad\u6216\u7ecf\u9a8c\u53ef\u80dc\u4efb\u7684\u4efb\u4f55\u804c\u4e1a\u7684\u4e3b\u8981\u804c\u8d23<\/li>\n<li>\u8d5a\u53d6\u5176\u6307\u6570\u5316\u6536\u5165\u7684 80% 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