Add Comment Question: My wife has been on long term disability through her employer a local broker insurance company with sunlife. The co was recently bought out by Intact insurance. Intact says they don't cover prescription benifets and they will be terminated. Does Intact ins have to grandfather the same benefits she had been receiving for the last 3 years with sunlife? Thank you Answer: Unfortunately, generally the new insurance company has no duty to maintain the coverage when they take over. Your wife may have a case against her employer for changing the benefits, but that will depend on a number of circumstances that would need to be assessed by our employment law team in more detail. If you wish to proceed with this, please give our team a call at 1-855-821-5900 and they will discuss any next steps. If she runs into any issues with her LTD benefits with Sun Life, don't hesitate to contact us again. 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.