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3 concussions in 3 years. last one resulted in employer putting me against my wishes on ei 90d. next step is ltd thru sun life.. I assume I will get ltd for 2 yrs taking me to age 60. what are odds of getting ltd till 65?

It depends on your disability and whether you meet the LTD policy test in your specific policy. Generally to get LTD beyond 2 years you have to show that you are unable to perform any occupation for which you are suited by training, education or experience. If that is the case and despite that your insurer terminated your benefits prematurely you should contact me ASAP and we will help. My contact info is below.
Sivan Tumarkin
Direct Tel (Toll Free): 1-888-990-9646     Email: sivan@stlawyers.ca     Web: www.stlawyers.ca
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