My Ltd benefit states “lifetime” is this my normal human lifetime? Or is there an age cutoff like at 65?

My injury was outside of workplace, I fell in a shopping mall (baby oil was spilt intentionally by teenagers in the morning, and wet floor signs were placed out next to the ‘wet’ mess however as it was five feet in front of an exit/ entrance there was a lot of tracks spreading this oil on the floor passed the wet sign barriers. This intentional spill was at two store interior doors and three other entrance / exit doors. I fell and have been off work for over a year now with a head injury. My doctor is supportive and has ordered tests. At this time my insurance has been supportive as they approved me until August 2026. My employer keeps requesting documents and when sent they state they are reviewing the requested leave extension(s) to date they’ve also been supportive.

However what happens if my employer decides they won’t have me back? Can they do that? My friends said to collect ei but can I ? When I’m collecting insurance monthly payments? I have consumer debt that has built beyond my means , I’m struggling to complete the paperwork for these insurance companies. I reached out to a local lawyer last year but other than accepting updated paperwork by his receptionist, he only says I have a difficult case. I’m stunned and normally I am competent, intelligent and highly skilled, however the last year I have had many many struggles. My doctor has me on three prescriptions and I’m not sure they are helping but I’m scared to ask to stop taking them as I don’t want to be deemed someone not participating in their recovery. I’m just fuddling through the best I can but I feel very insecure and scared about the future