Add Comment Question: I've been on LTD for exactly 2 years and my insurance company is reducing the amount of my payment (NOT cutoff). This will drastically affect my ability to handle my financial responsibilities. What options are available to me? Answer: I'm sorry to hear this. It depends on the reason why they are reducing it. Please contact our disability specialist, Rebecca, at rebecca.permis@stlawyers.ca, to discuss further and see if we can help. There is no charge to speak with her 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.