Add Comment Question: When a person turns 65 years old, do they lose LTD? If so, what replaces it? Do they continue to maintain Sunlife hospital coverage and drug benefits? Answer: Most LTD policies only go to age 65. You can then apply for CPP and other governmental assistance. 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.