Add Comment Question: Other people have recently helped me to realize that I might have accidentally made some omissions on my yearly update forms for the LTD insurance company. I have a disabled family member at home, so I have been helping with some of the caregiving. I didn’t mention this because it’s not “work” or “retraining” or “volunteering.” (It’s not a job & I don’t get paid.) Also, I hadn’t been including my inheritance as “any other income” because I understood that it is “assets.” (The finance guy is supposed to grow our assets without causing too many expenses & we never see this money.) Just in case the LTD insurance company thinks that this is “any other income,” should I tell them about it? Should I fax the LTD insurance company to clarify? Do I need a Lawyer to help me? Answer: Thanks for your question. By the sounds of it, what you've 'omitted' from the insurer is most likely not an issue. Your LTD policy should define what they consider "work" and "any other income" for the purpose of declaring such to your insurer. If your policy doesn't mention declaring your inheritance (as most won't), or caring for disabled family members as other income or work, then you generally don't have the obligation to declare it. If you want to speak about this further, contact our Disability Specialist, Rebecca, at rebecca.stap@stlawyers.ca or 1-844-661-9065 x132, and she can discuss this with you in more detail. 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.