I am close to my 2yr Mark off work and I have been approved for LTD but my insurer wants me to apply for Canada disability and split the LTD payments...should I need to apply? They tell me if I get denied then they will fight for me....is this a ploy to deny me later by saying that Canada disability denied you so we will drop you? Also, should my benefits continue because my insurer says that it is up to my employer

Under most LTD policies, you do have a duty to apply for CPP-Disability benefits, yes.

I'm not sure what they would have meant when they said that they would help you fight a CPPD denial. That would be highly unusual.

If you're cut-off LTD because you were denied CPPD, you should contact us right away for a free consult, as that is not a legitimate reason for cutting you off.

You should continue to have coverage under your benefits policy as long as the premiums are paid. So if your employer stops paying the premiums, or stops allowing you to pay into the premiums, then you would lose coverage. (There are some policies which allow you to keep certain benefits while you continue to be approved for LTD though.)