Add Comment Question: I’ve been on LTD for approximately 39 months for chronic pain and generalized anxiety disorder. My Doctor has indicated to my insurance company that my limitations are permanent. However , just now, my insurance company is sending me to an Independent Functional Capacity Evaluation with an Occupational Therapist. How will this evaluation affect my benefits? Can they return me to work or cut off my benefits. Answer: Thanks for your question. These evaluations are quite common and the insurance company will often use the reports to make a determination if they feel you're still going to be eligible for benefits. I recommend reviewing this webpage for details on what to expect and how to prepare yourself for these independent evaluations: https://stlawyers.ca/disability-law/faq/ime-long-term-disability/ As long as you have medical support stating you cannot work, your insurer should generally be paying your benefits. If they attempt to use this evaluation, or any other reason, to end your benefits, please let us know ASAP and we will help. If you have further questions or concerns, please reach out to 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.