I have had RA since 1995 that has been treated medically and ongoing. I have been working fulltime for a company with Canada Life LTD for the last 11 years. And now I am unable to work due to the tasks and the erosion of my joints. Can they deny me benefits?

If you pass the disability test in your LTD policy, then you should be entitled to benefits. That said, unfortunately, you never know if an insurer is going to disagree with you and your doctor(s) and deny your LTD claim. If your claim is denied, you can contact our office right away, and we'll connect you with a lawyer for a free consultation.