Can my ltd benefits be changed by the employer, my husband has been removed from my benefits after 10 plus years

If you're asking about a change to your benefit plan through or by your employer, I recommend directing that to our free employment questions website (www.terminationquestions.com), as that would actually be an employment matter, rather than an LTD matter.

If, however, I've misunderstood, and you or your husband have actually be denied or cut-off of LTD by the insurer, please let me know.