Add Comment Question: My employer changed its group LTD insurer from Insurer A to Insurer B on January 1, 2026. I was actively working when the change occurred, but in June 2026, I suddenly became unable to work. The new policy has a 12-month pre-existing condition exclusion (with 3-month look-back), and I had related medical treatment prior to the insurer change. Does BC law or the insurance policy/ies typically provide continuity of LTD coverage in this situation, thereby making the pre-existing condition exclusion not apply to me in the usual way? If so, which insurer would be responsible for a disability that occurs shortly after the change of insurers? If there’s no such continuity-of-coverage protection, if I return to work (full or part-time), and later become disabled again from the same condition(s), would the pre-existing condition exclusion still apply? Or could returning to work for a period of time change the analysis? Thank you! Answer: I'm going to email you about this directly. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.