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I am have been on LTD (spinal cord injury) for 15 years. 2 years ago they started making changes to my health benefits plan. Can my provider change my health benefits plan (both fee charged +25% increase 2 yrs running, & significantly reduce plan)? Also, how do I ask for a copy of my LTD benefits terms/contract at the time of my LTD claim? I want to know the full terms in detail & when my benefits will end (60 or 65)?
I am Ltd. Have started 12 week gradual return to work plan with accommodation of remote work until May. My physician sent medical note signed by them. Employer HR head will not give decisive approval and notes that Manulife insurance feedback does not support workplace accommodation. What are my rights?
This is my second question on the same topic but more in depth. I went on STD on April 17, 2024 due end stage arthritis and could not handle the pain anymore as I work on a large printing press that is 4 stories high and a major part of my jump involves climbing the stairs multiple times per shift and walking and standing on concrete floors. I transitioned to LTD on August 9 2024, and my 2 year change of definition is coming up soon. I had right ankle fusion surgery on June 25, 2025 and just recently had a ct scan showing that my fusion healed less then 25% and a second surgery is required. My surgeon gave me 2 options, have revision surgery which is risky and complicated and hope it works this time or live with the pain forever. Before I made my decision, I let Desjardins know my situation and told them I had 2 options. I asked them what my options are on whether I decide to do the surgery or not and they said if I do the surgery, my benefits " should" continue past the change of definition date and if I don't do the surgery, my benefits will be cut off. So basically I do not have a choice in the matter. I told Desjardins that I waited 1 1/2 years for the firt surgery and would my benefits continue after my change of definition date of August . They said no, my benefits would stop and I would have to find gainful employment until I get a surgery date. I called my surgeon and asked when is the soonest that I can have surgery. I am booked for surgery on June 23, 2026. With all that said, for me to find gainful employment, Desjardins contract says the job must be a suitable job for me, based on training, knowledge and education and it must pay 66.67% of my wage prior to me going on disability and my wage is $51.16 per hour and 66.67% of that is $34.11 per hour. The last grade I passed was grade 8, I tried starting grade 10 4 times but dropped out every time. I have no education, the only experience I have is running a press and I have no training , I started my job at age 19 and I am now 51, I have been at my job for 32 years and I only know printing which is a dying trade. How can they make me find gainful employment at A minimum of $34.11 per hour with my lack of education and training. Can they cut my benefits off of would they have to pay me my benefits until I am 65?
I have been on LTD since August 9 2024, and my 2 year change of definition is coming up soon. I had right ankle fusion surgery on June 25th and just recently had a ct scan showing that my fusion healed less then 25% and a second surgery is required. I am booked for surgery on June 23, 2026 , can Desjardins cut my claim off
I am currently on an unpaid leave due to illness. My last day worked was September 22, 2025. I was on short term disability which ended January 20, 2026. My LTD claim was rejected as I had been employed by the company a few days short of one year and it was determined to be a preexisting condition. My employer is telling me I’m required to comply with a third party adjudication process to determine whether or not my unpaid leave is supported. The third party company is requiring me to give them full and unlimited access to my medical records, and have a form filled out by my treating practitioner that discloses my diagnosis, symptoms, medications and doses, if I go to therapy, and my PHQ-9 and GAD-7 scores. I want to know if I am legally obligated to provide this information even though it is not noted on my hiring contract or the employee handbook. It is my understanding that I have to provide sufficient proof of illness such as the notes from my doctor stating I am unable to work and the date I will be reassessed. I also understand that I must comply with the third party process for accommodations should any be recommended by my physician, but I have made it clear to my employer and the third party company that my doctor has not made any recommendations and has written that I am unable to work.
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