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Hi. I am about to apply for LTD benefits through Sun Life. Do I need to disclose that I am also going to apply for mortgage protection insurance?

If you are approved for other benefits, and as such are receiving monies from another source, it is prudent to advise your LTD insurer, so that they can assess whether they are entitled to an offset/deduction for that particular money stream or not. If you don't, you may be violating a term of your LTD policy, which can obviously have numerous consequences.
Sivan Tumarkin
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