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Hi I’m on cppd and I just received a letter from my long term insurance it’s long term disability insurance continuance they want me to fill it out do I need to fill the letter out it’s asking if I require assistance in my personal needs.

I have been on LTD for 6 years with a functional neurological disorder. I did attempt a return to work program in 2018 but had a recurrence and so went back on benefits as of June 2019. When I was referred back to my original movement doctor the file was closed so I was referred to new doctors. Since then, I completed a program at the end of 2020 that is new to the field of functional movement disorders that involved learning how to live with the condition. In terms of follow-up, there is a one year period where you can book a drop in clinic appointment to see a nurse who is available to help. And I also regularly see a cognitive behavioral therapist as suggested by the doctors. I currently don't have a follow-up appointment with the doctors and I am wondering if I need to be looking into that for when the insurance company asks for updates or if my family doctor could provide the information. Fyi, the insurance company wrote to the doctors in March of 2020 and I haven't heard back since. Sorry, this is long-winded!

Hi. I have cerebral palsy diagnosed when I was 2 now 41 I have 2 mortgages and on both can’t get the disability insurance (due to being diagnosed with cp) I have worked 20 years in health care as a DSW in a group home setting I get where they are coming from however I still could be disabled from work or other like a care accident Is there anything out there for people like me? Whenever I’ve asked in the past I’ve been told no because I already have a disability (even though I don’t use odsp and have had a job for 20 yrs)

Hi. I have been on Ltd for 3 years after having severe health issues. I currently work 20 hours per week and I get paid 70% of my predisability income from sunlife for the other 17.5 hours per week I don’t work. My question is when I went off work when I got sick my income was $63,000 per year that my benefits from sunlife are based off of. I am still doing the same job but it now pays $73,000 per year. Why aren’t my benefits calculated off what I currently earn and not off my salary for 3 years ago? From what I understand because of the cap limit they won’t pay out over my predisability income So i can’t make any more than the $63,000 per year now. Thank you for your help.

I applied for a Mortgage Disability Insurance Claim and a Line of Credit/Loan Disability Claim due to a disability beginning in February 2019. I was accepted on both claims without any problems. As outlined in my certificate, I can receive disability benefits for up to 24 months. I underwent a corneal transplant in my left eye in July 2019. And later, in November 2020, another cornea transplant but this time on my right eye. I then asked Sun Life Financial, since my situation has changed if my 24 months could be extended and they said no. The maximum is 24 months regardless of the situation. Also, I am still on total disability, at least until my stitches are completely removed and also after I have had cataract surgery, according to my specialist. After that, I can return to work. Since I am still on total disability, is it within my rights to have this claim continue with Sun Life Financial? Would the same apply to my long-term disability benefits income? The limit is also 24 months with SSQ Group Insurance.