Add Comment Question: I have been on LTD since 2021 and the Change of Definition date on my claim is coming up next week. I've asked my disability insurer to provide me with a copy of my LTD policy to see if there is a requirement for a cost of living adjustment as my monthly disability payment hasn't changed to date. My insurer tells me it can take 30 days or more to provide this, and I requested it over a month ago but still haven't received the policy. Is there a limitation date that I should be concerned about if the policy does in fact require a cost of living adjustment to be provided? Answer: It is possible that a limitation period may apply in the situation, but you would still likely be entitled to 2 years of benefits with the cost of living adjustment if your policy does allow for such. Your insurer should provide this policy for you though. You can tell the insurer that you will contact a lawyer (you can mention our name) if they don't provide your policy promptly. If they still are unwilling to do so, please contact our disability specialist, Rebecca, ASAP at rebecca.stap@stlawyers.ca or 1-844-661-9065 x132 to discuss this 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.