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My ltd benefits were denied as I hadn't complete enough days to qualify. When I had first questioned my benefits administrator about it. I was mislead via email that I could apply in July. There was no mention that I wouldn't be eligible. I will now have to apply for Ontario disability which takes 4 months to find out about and as of July 7th I have no income.
Give me a call or email me at my contact info below. I need to understand more about your situation and what occurred to see if we can help you with the LTD claim.