Greetings - Thank you for taking my questions on my current LTD employment insurance situation and what options would I have, and am I getting the proper amount of benefits.

After suffering a major blood clot behind my right knee in March 2024 (CTScan), I was pleased in the hospital for 2 separate times (accumulating to 41 days), diagnosed with ischemia of my right lower limb and foot, and emergency operated upon at the end of April 2024, and insured by Sunlife. My employer was helpful in starting the benefits claim at that time and I live from 16 weeks of STD and then after many many tests and a whole team of medical professionals (led by my vascular head and family Dr), I was given weekly payments in STD and then moved to monthly payments in LTD. After going through the first ‘year in LTD’, and after 509 -+ medical reports that have gone into Sunlife, I was advised that they approved me past that 2 year part of not being able to do my job and up to age 65 years of age. The payments that they provide in the month come to me with tax taken off and the I get a T4A of that tax and it is added to my personal taxes as income. Is that supposed to happen? I lost my condo and car as the money they give does not amount to what what sr. Corp pay provided. Now I am at the 20 month mark and the complicated case I am dealing with (not feeling my right foot and still numb and regrowing nerves, etc., with my left foot acting up, the conduction tests and other tests have put me into an indefinite return to work situation with brain fog, etc., and exhaustion. My employer was advised in June of the fact that I have been moved into Sunlife Long Duration team and no return to work. As we are coming up to 2 years this coming March 2026, will my employer release me using the frustration of contract) and I lose my benefits? Sunlife has also pushed me into applying for CPP-D at this time before the 2 year anniversary of not being able to do my job. I she. Received the ODT Credit and denied Canada disability benefit as I make too much the letter said. What I am worried about now is - if I cannot go back ever, as there is talk of this being permanent and will digress (I feel I am getting better and defying the odds), but the neurologist, foot specialist, family Dr , and others say it might get a bit better and may be permanent- I want to defy that and get better. Will I be left with nothing if I get terminated with frustration choice and left with no benefits at 55 and possibly disabled for life? So afraid and the family says - he can’t let me go whilst on LTD. So confused and worry and did not wish to waste my complementary time with your team, so trying to get some peace of mind for now.