I am on STD and need to transition to LTD, I am scared to talk to my insurance company and say the wrong thing. Can I get some advice and there is no way that I can return to work.

Absolutely. While dealing with insurers can be quite intimidating, often switching from STD to LTD only requires a few steps for you to complete. I recommend reviewing our guide on this very topic: https://stlawyers.ca/disability-law/faq/transition-from-std-to-ltd/ and reaching out to our disability specialist, Rebecca. You can reach her at rebecca.stap@stlawyers.ca and she can help walk you through this process and answer any questions you may have (at no charge)