Hello, I work for a large multinational company. I have been on LTD for 13 months. I also have CPP-D and the Disability Tax Credit. I am a member of a Union in relation to my employment. There is a very real possibility that there will be job action between the Union and Employer but as I write this job action has not happened yet. I contacted my employer HR to ask how job action will affect my LTD and other Benefits and HR told me that it hasn’t been decided yet if I will continue to receive my LTD Benefits. I was further told that a decision about my LTD payments will be determined after Job action takes place and to call back if job action occurs. I asked the Insurer for a copy of the LTD policy and they told me to ask my employer. I asked my employer HR and they said they don’t know if they have a copy of the LTD policy and they will get back to me. My health is already severely compromised and the stress and worry surrounding losing my LTD benefits in the case of Job action is extreme. I can’t get a clear answer from the insurer or my employer about what will happen to my LTD benefit if job action occurs. Can my employer instruct the insurance company to cut my LTD Benefit due to job action that is totally out of my control? Can the Insurance company themselves cut my LTD Benefits if job action occurs? If my LTD Benefits are stopped due to job action do I have any recourse? Thanks for your time.