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I am coming up on 2 years on LTD. I received a letter saying they are extending my leave since I am not able to return to work. I am told my extended benefits are being cut off unless I pay $210/month to have it remain. Desjardins is my insurance company and Bluecross is my extended can I just pay for an individual health plan that I want or would that void my claim? I am not getting a respond from the insurance company! I have also applied for CPP but have not heard can I find out a status?

I was approved for my change of definition date (May 2024) and I don't understand why. I am currently trying to get better and get back to work in the next few months (I have been off work since October 2021...the LTD company said they will send the approval to my employer...I am scared that my employer will now say that I have a poor prognosis for return to my own occupation and not hold my position for me or fire me...

I am 35 years of age. Last year, doctor did sleep study suggested me to use PAP Machine for sleep apnea. I was not using this machine as I was unaware of the implications/dangers of using that machine. Now I have blood pressure which was detected before a few months ago. also have diabetes and feeling depression and anxiety, memory loss problems. Now doctor has again suggested to use sleep apnea machine and I have started to use it before a few days but problems still persists. Can I claim disability benefits, please advise. I am on contract position since last 2 years in a private company. we have Manulife insurance. Thanks

If you are on LTD do you accumulate service years in regards to any potential severance pay down the line?

How long do you have to be off work to claim Ltd?

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