Add Comment Question: I’ve been on LTD since 2013, I didn’t know till now that I could have paid for excess coverage but was never offered to pay for it for all the time I was working before I went off. Is there anything I can do regarding this? Answer: Not that I am aware of. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.