Add Comment Question: Hi Currently on long term disability, receiving monthly benefits from Desjardins insurance, I have a history of back injury had a herniated disc in 2016 while working for Metro. I'm a bakery manager with Metro Inc in Ottawa. I hurt myself again, in May 2021 while at work. Desjardins told me my "own" occupation is valid until Dec 8th, 2023. But in a verbal conversation about a month ago, Desjardins told me that she was considering putting me as"total disabled" because she felt what job could I do at Metro if I'm incapable to perform my regular duties as a bakery manager. A doctor at Appletree wrote a letter to Metro stating that if Metro could accommodate me that my current position is causing permanent damage and that I will continue to decline over time if I continue doing the physical portion of the job, I'm a 55 year old female(this letter written after seeing my MRI results and compared it to my MRI in 2016) Unfortunately, that doctor moved on to have buy a practice and could not take me on as a patient. The insurance company sent me to their own doctor to assess me last year (June 2022) and after that assessment told me that I would be covered until Dec2022. In Dec, Desjardins called to to tell me I'll be covered until of the end March 2023, once they get the results of my nerve test. Then called me a month ago to say she may put me on "total disability", which they will change my definition. I said I didn't want that, I'm single and can't afford to live on this benefit now, I want to be able to work but not in constant pain- I lift boxes of frozen products and stand all day. Should a manger have to do this????? Desjardins supposedly sent a form to be filled out by the Appletree doctor I have recently been seeing, but he isn't reliable as he can't remember my history like the former doctor I was seeing. I asked what info they were looking for- she did not respond.. Also, they sent me a form for me to fill out and I did asking my education and work history- is this for Metro or retraining I asked, she did not respond. What are my rights? Can they change my definition from "own" to total disability" without me agreeing to it? if they change the definition, can I work at all? Would Metro /Desjardins be off the hook if they change my definition and now I get disability benefits from the gov't only? How does that work? Am I entitled to a severance package if Metro can't accommodate me? Do they have to accommodate me? Thank you K I just want to understand my options. Answer: As you have many questions regarding both your employment and your disability insurance, I recommend contacting our disability specialist, Rebecca, to discuss these questions in more detail. You can reach her at rebecca.stap@stlawyers.ca or 1-844-661-9065 x132 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.