If I have a cottage and I sell it would would that effect my LTD because of the capital gain?

You will need to review your LTD policy to determine if the insurer is entitled to any offset for this type of money. In general, they shouldn't be able to do so, however as each policy is different, we recommend that you review your own.
If you don't have a copy of it, you can ask your case manager and they will provide it to you. If you have any further questions, please feel free to contact our disability specialist, Rebecca Stap, at rebecca.stap@stlawyers.ca for further assistance.