Add Comment Question: On LTD for 10 years, this length of time is causing some stress of potential issues for any reason at this point. To alleviate some stress - what are my chances of a settlement ? And do you offer this type of help ? I’m 53 yrs of age and my policy is with manulife and I work for the city of Toronto. Answer: I'm going to email you about this directly. 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.