Add Comment Question: Am I able to submit a claim for LTD well over a year or more past the stated date required by my insurance company (Manulife), and still have any chance of it being approved? Answer: It will depend on your situation specifically, but there is a chance. You should apply ASAP, and if you do run into issues, we can help (we have been successful in helping with such matters in the past) If you have further questions or would like assistance with your application, please contact our disability specialist, Rebecca, at rebecca.stap@stlawyers.ca 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.