Hello,

My LTD started in October 2020 for chronic anxiety and depression. Prior to that I was on STD. I am on prescribed medication, continue to attend therapy sessions, and have had several sessions with psychiatrists.

I turn 65 in February 2024 and I received a letter from my healthcare provider that my LTD ends the day before my birthday. They will continue paying my monthly LTD payments until that date. After that, I will not have any income.

I wanted to understand where I stand from an employment and health coverage perspective. I believe I am still an employee of the organization that I work for and my healthcare coverage ends when I reach age 65. There is an option to privately pay for continued coverage. My spouse retired earlier this year so we will have no coverage after this date. I am not ready to return to work due to my illness and I am not ready to retire due to outstanding financial commitments.

Could you please explain to me what my options are.

Thank you.