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I am nearing the two year mark on LTD with Sun Life. What advice do you have for me?
In many cases around the 2 year mark is when insurers cut people off LTD. Be on the lookout for red flags - anything the insurers does or says that doesn’t make sense. And keep providing medical reports stating that you are unable to work in any occupation (if this is true) and submit that to your adjuster. If despite this they tell you that they will cut you off, call or email me ASAP and we will help.