I was approved for ongoing LTD benefit payments under the 'Any Occupation' requirement. Less than a year later they are sending me for a Functional Capacities Exam. Prior to my disability I was a program manager with a financial institution and spent 30 years in the banking industry. The insurance company is now suggested I become a landscaper, which is why tbey are sending me for the FCE. I am a 51 year old woman and quite certain my body could not start a physical labour career at this time. Also, they already approved as disabled from any occupation. Im very confused and concerned.

While on LTD, you generally have an ongoing obligation to prove that you continue to meet your insurers definition of disabled. Your insurer also has the right to continue to assess you to ensure the same, so it is not unusual to be asked to attend an FCE while on disability. You can read our guide one IME's at www.ltdfaq.ca to get some helpful information on what to expect (although IME and FCE are not the exact same, many principles will still apply).
Ultimately, if you and your doctors do not believe that you'd be able to return to work in any capacity, including being a landscaper, then your insurer should not be ending your benefits. If they try, or you run into any difficulties, please contact us again asap. Additionally, if you have further questions or concerns, please reach out to our disability specialist, Rebecca, at 1-844-661-9065 x132 or rebecca.stap@stlawyers.ca for assistance.