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I am presently on LTD after tearing my rotator cuff at work i was on WSIB for 6 months and they said i hade the same injury 12 years ago and closed my claim. I appealed it and stayed on light duties the same person that denied it the first time also denied it the second time so i withdrew my appeal and they put me on STD and then LTD. Unfortunately waiting to see the surgeon i had a accident (Fall on ice) and tore my other shoulder in which i reported to the insurance company. I finally saw the surgeon and he said both shoulders would need surgery. I then developed a degenerated hip and saw a surgeon and a hip replacement was needed in contacting the shoulder surgeon he said to wait until I had my hip replaced. I had my hip replaced Dec 13 and am in recovery under the care of the surgeon and my family doctor. I am coming up to 2 years on LTD and was informed that my claim may be closed I still require surgery on my shoulders. They said i can not return to my old job because it is a physical job but capable of sitting at a desk so I am employable. Can they close my claim when i am still under my doctors care and still require shoulder surgery ?
Your fears are justified. If you’re unable to work in any occupation for which you have education, training or experience then you should remain on LTD beyond the 2 year mark. If they tell you that you’ll be cut off let me know ASAP and we will help. My contact info is below.