Add Comment Question: I have been on short term Disablity now entering long term . I have to take Physio for my disability but my insurance only covers 500.00 annually . The rest comes out of my pocket . Because I have to take Physio I order to get better is there a responsibility for manulife insurance to pay for my Physio that is not covered ,or am i responsible for it thanks Answer: No it’s all contractual. It depends on what your policy provides. 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.