Add Comment Question: I am receiving disability payments via Service Canada, topped up by private long term disability. I have an opportunity to sell a real estate property and have capital value gain. The house is something I've owned for many years--long before I became disabled. However, it has appreciated in value significantly. Would this capital value gain be considered my income and will stop the disability payment from Service Canada and/or private insurance? Any guidance would be appreciated. Thank you Answer: It depends on the wording of your LTD insurance policy. Some policies contain provisions that may entitle an insurer to credit for “other income” earned while you collect LTD payments. Review your specific policy. 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.