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I won a company I'm on disability can I receive dividends

My wife was denied long term disability. She is currently appealing. Just want to know our options.

I was in a car accident 3 years ago. I return to work on a gradual return. My work paid me short term disability and then stop. short term benefit. They said I had to be off totally to get long term disability. As I exceeded my short term disability. My car insurance company refuse to pay me the dates that I was not able to work on my gradual return. Do I have a case to get them to pay me that money money back.

Do I have to tell my LTD provider of I cash out some of my rrsp?

My husband was on manulife disability for just shy of 2 years. We have an agreement letter from them when he was first disabled..this outlined his monthly payment amount and also stated that his life insurance premiums would be waived while he was on L.T.D. there was also a policy for accidental death and dismemberment. Sadly my husband passed away last Saturday the 23rd of November. I contacted them to advise that he had passed (therefore not receiving his monthly payment, which i know would have to be returned) they transferred my call to claims dept where i was told they have no record of him having coverage. I am his legal wife and on cpp disability earning barely $900 a month. We bought a home and have a mortgage. Without this life insurance I will be living in a cardboard box. What are my rights? Where do I go from here? Im so lost without him and certainly do not need this extra stress while suffering through this difficult time. Thanking you in advance for your assistance. Any help would be greatly appreciated.