# Disability Insurance **URL:** https://forum.resolutelegal.ca/c/disability-insurance-claims/7.md?page=2 [Latest](https://forum.resolutelegal.ca/latest.md) · [Categories](https://forum.resolutelegal.ca/categories.md) **Page:** 3 --- ## [COD termination notice a year in advance](https://forum.resolutelegal.ca/t/cod-termination-notice-a-year-in-advance/5219)
**Author:** [@M4me](https://forum.resolutelegal.ca/u/M4me)\ **Replies:** 3\ **Last updated:** [August 14, 2025, 8:55am UTC](https://forum.resolutelegal.ca/t/cod-termination-notice-a-year-in-advance/5219 "2025-08-14T08:55:26Z")
I’ve been told my the insurance company that benefits will be terminated as of my COD date next year. Should I have completed the self- declaration paperwork? Is it too late to do so now? Or should I just wait until they… --- ## [CPPD Question/Travel - 11 days](https://forum.resolutelegal.ca/t/cppd-question-travel-11-days/5224)
**Author:** [@InRecovery](https://forum.resolutelegal.ca/u/InRecovery)\ **Replies:** 2\ **Last updated:** [August 12, 2025, 4:54pm UTC](https://forum.resolutelegal.ca/t/cppd-question-travel-11-days/5224 "2025-08-12T16:54:33Z")
I will be going away for around 11 days and LTD has approved me however I am also on CPPD do I need to let them know as well ?? Thank you --- ## [Case Manager Approved Shorter Leave Than What Doctor Recommended](https://forum.resolutelegal.ca/t/case-manager-approved-shorter-leave-than-what-doctor-recommended/5205)
**Author:** [@attribute305](https://forum.resolutelegal.ca/u/attribute305)\ **Replies:** 3\ **Last updated:** [July 30, 2025, 7:35pm UTC](https://forum.resolutelegal.ca/t/case-manager-approved-shorter-leave-than-what-doctor-recommended/5205 "2025-07-30T19:35:09Z")
Hi everyone, I’m looking for some advice on dealing with my insurance case manager and wanted to know if this situation is normal or something I can push back on. Question #1 - Is a case manager allowed to approve a sh… --- ## [LTD approved YAY...how much / best practices to deal with any EI / AB Supports backpay?](https://forum.resolutelegal.ca/t/ltd-approved-yay-how-much-best-practices-to-deal-with-any-ei-ab-supports-backpay/5208)
**Author:** [@Skookum2025](https://forum.resolutelegal.ca/u/Skookum2025)\ **Replies:** 1\ **Last updated:** [July 30, 2025, 7:26pm UTC](https://forum.resolutelegal.ca/t/ltd-approved-yay-how-much-best-practices-to-deal-with-any-ei-ab-supports-backpay/5208 "2025-07-30T19:26:51Z")
I have been off work a few months short 1 yr and finally got my LTD approval. I was on EI for 6 months and unfortunately had to go to AB supports for 1 month. The insurance company paid backpay to January this year whic… --- ## [Annual Update Form completed form examples anywhere?](https://forum.resolutelegal.ca/t/annual-update-form-completed-form-examples-anywhere/5188)
**Author:** [@stalance](https://forum.resolutelegal.ca/u/stalance)\ **Replies:** 5\ **Last updated:** [July 18, 2025, 6:30am UTC](https://forum.resolutelegal.ca/t/annual-update-form-completed-form-examples-anywhere/5188 "2025-07-18T06:30:10Z")
Hi there. I received my first annual update form from my insurer (Blue Cross) and was wondering if anyone could send me a link if they’ve found a good example of how to complete the form? I did watch David’s video on t… --- ## [Employer asking to talk on phone](https://forum.resolutelegal.ca/t/employer-asking-to-talk-on-phone/5093)
**Author:** [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Replies:** 7\ **Last updated:** [July 17, 2025, 7:53pm UTC](https://forum.resolutelegal.ca/t/employer-asking-to-talk-on-phone/5093 "2025-07-17T19:53:19Z")
I am on LTD and recently passed the 2yr mark. I am in the process of applying for CPP as I don’t know if/when I will return to work. My employer has emailed me asking to get on a call (phone/video) with them to discuss a… --- ## [Question regarding job change while on medical return to work plan](https://forum.resolutelegal.ca/t/question-regarding-job-change-while-on-medical-return-to-work-plan/116)
**Author:** [@Kirsten](https://forum.resolutelegal.ca/u/Kirsten)\ **Replies:** 4\ **Last updated:** [July 9, 2025, 7:22pm UTC](https://forum.resolutelegal.ca/t/question-regarding-job-change-while-on-medical-return-to-work-plan/116 "2025-07-09T19:22:54Z")
If you are on a return to work plan at your current job but are offered a job with a different employer, is it advisable to take it. The reason I ask is that the insurance company and current employer are making it a li… --- ## [Disability Recurrence clause](https://forum.resolutelegal.ca/t/disability-recurrence-clause/5167)
**Author:** [@andrew124399](https://forum.resolutelegal.ca/u/andrew124399)\ **Replies:** 3\ **Last updated:** [July 7, 2025, 7:39pm UTC](https://forum.resolutelegal.ca/t/disability-recurrence-clause/5167 "2025-07-07T19:39:06Z")
Hello, I am attempting to go back to work after 6 years of LTD. Its with a different employer from the one which i use to work for when disability happened. What are the specific questions i should be asking about recur… --- ## [LTD insurance and income splitting](https://forum.resolutelegal.ca/t/ltd-insurance-and-income-splitting/5141)
**Author:** [@Major](https://forum.resolutelegal.ca/u/Major)\ **Replies:** 4\ **Last updated:** [June 8, 2025, 5:35pm UTC](https://forum.resolutelegal.ca/t/ltd-insurance-and-income-splitting/5141 "2025-06-08T17:35:05Z")
If you are receiving LTD tax free and you do an elected pension split with your spouse which raises your net income . Does this have to be reported to the insurance as income? --- ## [Going back to work after LTD of 6 years](https://forum.resolutelegal.ca/t/going-back-to-work-after-ltd-of-6-years/5155)
**Author:** [@Mathew](https://forum.resolutelegal.ca/u/Mathew)\ **Replies:** 4\ **Last updated:** [June 18, 2025, 11:07pm UTC](https://forum.resolutelegal.ca/t/going-back-to-work-after-ltd-of-6-years/5155 "2025-06-18T23:07:12Z")
Hello, I have been on LTD for over 6 years and also have CPP D approved. My physical situation is still such that I am not able to work full time however recently I got an opportunity of full time employment. The nature… --- ## [LTD - Cost of Living Increase](https://forum.resolutelegal.ca/t/ltd-cost-of-living-increase/3882)
**Author:** [@Harvey23](https://forum.resolutelegal.ca/u/Harvey23)\ **Replies:** 17\ **Last updated:** [June 5, 2025, 3:07pm UTC](https://forum.resolutelegal.ca/t/ltd-cost-of-living-increase/3882 "2025-06-05T15:07:34Z")
My LTD policy states: “After benefits have been payable for 3 years and with each subsequent anniversary of the commencement of disability payments, you are eligible for a cost of living adjustment in your disability be… --- ## [LTD approved : don't give up, that's what they are counting on!](https://forum.resolutelegal.ca/t/ltd-approved-dont-give-up-thats-what-they-are-counting-on/2902)
**Author:** [@Wherewhenwhatwho](https://forum.resolutelegal.ca/u/Wherewhenwhatwho)\ **Replies:** 9\ **Last updated:** [June 2, 2025, 7:31pm UTC](https://forum.resolutelegal.ca/t/ltd-approved-dont-give-up-thats-what-they-are-counting-on/2902 "2025-06-02T19:31:16Z")
Hello, I want to thank you for your helpful advice, guidance and especially your encouragement. I have just been approved after many many months of stress, anguish and struggle following the denial of my claim. After i… --- ## [Wearable fitness trackers](https://forum.resolutelegal.ca/t/wearable-fitness-trackers/4431)
**Author:** [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Replies:** 7\ **Last updated:** [May 8, 2025, 7:43pm UTC](https://forum.resolutelegal.ca/t/wearable-fitness-trackers/4431 "2025-05-08T19:43:45Z")
My specialist has recommended a wearable device (Garmin, Apple Watch, Oura Ring etc) so I can manage my activities better so I stay within my energy envelope and don’t over-exert myself as this actually makes my conditio… --- ## [Looking for LTD lawyer](https://forum.resolutelegal.ca/t/looking-for-ltd-lawyer/5060)
**Author:** [@Reed](https://forum.resolutelegal.ca/u/Reed)\ **Replies:** 2\ **Last updated:** [May 5, 2025, 7:49pm UTC](https://forum.resolutelegal.ca/t/looking-for-ltd-lawyer/5060 "2025-05-05T19:49:36Z")
can someone refer a LTD lawyer pls. thank you --- ## [Travel while on Sun Life STD](https://forum.resolutelegal.ca/t/travel-while-on-sun-life-std/5006)
**Author:** [@rick](https://forum.resolutelegal.ca/u/rick)\ **Replies:** 7\ **Last updated:** [April 22, 2025, 6:44pm UTC](https://forum.resolutelegal.ca/t/travel-while-on-sun-life-std/5006 "2025-04-22T18:44:51Z")
Hi everyone, I’m on a short‑term disability claim with Sun Life (I work in the private sector) for mental health, backed by my physician’s statement and therapist’s notes. I’ve got a month‑long out‑of‑province language … --- ## [LTD. CPPD tribunal level](https://forum.resolutelegal.ca/t/ltd-cppd-tribunal-level/4903)
**Author:** [@Charjo](https://forum.resolutelegal.ca/u/Charjo)\ **Replies:** 7\ **Last updated:** [March 28, 2025, 3:43pm UTC](https://forum.resolutelegal.ca/t/ltd-cppd-tribunal-level/4903 "2025-03-28T15:43:43Z")
Hi. I receive LTD and RBC since 2021. Had both knees replaced. Having hip issues advanced Osteoarthritis. Having hand thumb surgery both hands. I have no family physician. I am now at Tribunal level and having CMC joint… --- ## [Reduction of LTD](https://forum.resolutelegal.ca/t/reduction-of-ltd/4386)
**Author:** [@Dawn](https://forum.resolutelegal.ca/u/Dawn)\ **Replies:** 4\ **Last updated:** [May 16, 2024, 5:41pm UTC](https://forum.resolutelegal.ca/t/reduction-of-ltd/4386 "2024-05-16T17:41:19Z")
My last day worked was in August 2021 but my ltd didn’t ask me to apply for CPP until the fall of 2023. CPP received my application November 2023. The first call I ever got was April 2024 advising I met the earnings cr… --- ## [LTD wants me to apply for CPPD but I want to return to work …](https://forum.resolutelegal.ca/t/ltd-wants-me-to-apply-for-cppd-but-i-want-to-return-to-work/4864)
**Author:** [@Gtaylor](https://forum.resolutelegal.ca/u/Gtaylor)\ **Replies:** 9\ **Last updated:** [March 22, 2025, 2:42am UTC](https://forum.resolutelegal.ca/t/ltd-wants-me-to-apply-for-cppd-but-i-want-to-return-to-work/4864 "2025-03-22T02:42:46Z")
Hey everyone. I have been on LTD since Aug 2023. My 2 years is coming up and LTD called to tell me I have been approved for the next level disability and that I need to apply for CPPD. I told my case manager I am still h… --- ## [Ltd considered an income?](https://forum.resolutelegal.ca/t/ltd-considered-an-income/4849)
**Author:** [@Leblanc44](https://forum.resolutelegal.ca/u/Leblanc44)\ **Replies:** 3\ **Last updated:** [March 14, 2025, 5:10am UTC](https://forum.resolutelegal.ca/t/ltd-considered-an-income/4849 "2025-03-14T05:10:13Z")
Could you please advise if my self-funded 100% paid by myself Ltd insurance is considered income when applying for federal benefits? Since it is non-taxable, I do not receive a T-4 or any documentation during tax season.… --- ## [Independent Medical Examination](https://forum.resolutelegal.ca/t/independent-medical-examination/4835)
**Author:** [@CornFlakes](https://forum.resolutelegal.ca/u/CornFlakes)\ **Replies:** 3\ **Last updated:** [March 11, 2025, 8:00pm UTC](https://forum.resolutelegal.ca/t/independent-medical-examination/4835 "2025-03-11T20:00:33Z")
Hello, I just did my Social Security Tribunal (SST) hearing last month to try for CPP-D. I should hear whether or not I’ve been approved before the end of this month. However, now I’m being told by my insurance compan… --- ## [LTD Claim Terminated Retroactively – Can’t Afford Repayment. Next Steps?](https://forum.resolutelegal.ca/t/ltd-claim-terminated-retroactively-can-t-afford-repayment-next-steps/4834)
**Author:** [@5836394040](https://forum.resolutelegal.ca/u/5836394040)\ **Replies:** 4\ **Last updated:** [March 5, 2025, 4:14pm UTC](https://forum.resolutelegal.ca/t/ltd-claim-terminated-retroactively-can-t-afford-repayment-next-steps/4834 "2025-03-05T16:14:06Z")
I recently had my long-term disability (LTD) claim terminated retroactively after the insurer concluded I no longer met the policy’s disability definition. They cited an investigation that found I was enrolled in a gradu… --- ## [Health Insurance cut off by employer while on LTD](https://forum.resolutelegal.ca/t/health-insurance-cut-off-by-employer-while-on-ltd/4803)
**Author:** [@Joey](https://forum.resolutelegal.ca/u/Joey)\ **Replies:** 14\ **Last updated:** [February 27, 2025, 8:18pm UTC](https://forum.resolutelegal.ca/t/health-insurance-cut-off-by-employer-while-on-ltd/4803 "2025-02-27T20:18:29Z")
I’ve been on LTD and CPPD since 2011. I’ve received a letter from my employer advising that in 12 months I’ll be losing my health/dental benefits through my employer but there’s no mention of being terminated for frustra… --- ## [Triggered and panic attack first call](https://forum.resolutelegal.ca/t/triggered-and-panic-attack-first-call/4807)
**Author:** [@Grabble09](https://forum.resolutelegal.ca/u/Grabble09)\ **Replies:** 4\ **Last updated:** [February 25, 2025, 2:29am UTC](https://forum.resolutelegal.ca/t/triggered-and-panic-attack-first-call/4807 "2025-02-25T02:29:25Z")
had my first call with a case manager after applying for long-term disability, and it was really triggering for me. I have PTSD and memory issues, and I struggle when I can’t remember specific dates or details, which is … --- ## [Sunlife LTD - Vacation](https://forum.resolutelegal.ca/t/sunlife-ltd-vacation/4765)
**Author:** [@Np11](https://forum.resolutelegal.ca/u/Np11)\ **Replies:** 10\ **Last updated:** [February 19, 2025, 4:09pm UTC](https://forum.resolutelegal.ca/t/sunlife-ltd-vacation/4765 "2025-02-19T16:09:53Z")
Hi I’m on LTD through the government’s Sunlife plan for mental health reasons. My family has had two out of country vacations planned since long before I became disabled. I’m extremely anxious about Sunlife denying my d… --- ## [LTD Yearly updates](https://forum.resolutelegal.ca/t/ltd-yearly-updates/4800)
**Author:** [@Duckduckgoose](https://forum.resolutelegal.ca/u/Duckduckgoose)\ **Replies:** 7\ **Last updated:** [February 18, 2025, 2:51pm UTC](https://forum.resolutelegal.ca/t/ltd-yearly-updates/4800 "2025-02-18T14:51:06Z")
Hi everyone, I was recently told by my case manager that I meet the definition of “any occupation disability” and my benefits will continue past the 2 year mark. I will be transferred to the maintenance department with… --- ## [LTD Case Manager after COD](https://forum.resolutelegal.ca/t/ltd-case-manager-after-cod/4152)
**Author:** [@Harvey23](https://forum.resolutelegal.ca/u/Harvey23)\ **Replies:** 3\ **Last updated:** [February 16, 2025, 5:41am UTC](https://forum.resolutelegal.ca/t/ltd-case-manager-after-cod/4152 "2025-02-16T05:41:09Z")
Hi all, For the people on LTD and have passed the change of definition did you get a new case manager at that stage? I am with a big 3 insurer and had a different case manager when I was on short term disability, then a… --- ## [Benefits transfer from wcb to Ltd](https://forum.resolutelegal.ca/t/benefits-transfer-from-wcb-to-ltd/4784)
**Author:** [@exhausted](https://forum.resolutelegal.ca/u/exhausted)\ **Replies:** 2\ **Last updated:** [February 11, 2025, 7:37pm UTC](https://forum.resolutelegal.ca/t/benefits-transfer-from-wcb-to-ltd/4784 "2025-02-11T19:37:44Z")
I hope someone have some general information to share in regards of benefits transfer from wcb to Ltd. I’m currently receiving wcb benefits and I was eligible for LTD benefits as well. At COD my LTD claim was denied an… --- ## [RTW after 2 year own occupation period](https://forum.resolutelegal.ca/t/rtw-after-2-year-own-occupation-period/4776)
**Author:** [@3tea](https://forum.resolutelegal.ca/u/3tea)\ **Replies:** 1\ **Last updated:** [February 10, 2025, 9:10pm UTC](https://forum.resolutelegal.ca/t/rtw-after-2-year-own-occupation-period/4776 "2025-02-10T21:10:51Z")
I have been off work on LTD for 6 years. Down the line when I am ready to return to work, is my employer generally required to take me back, since I am past the 2 year own occupation period? Or am I required to find a jo… --- ## [Change of definition question](https://forum.resolutelegal.ca/t/change-of-definition-question/4073)
**Author:** [@BrokenCamel](https://forum.resolutelegal.ca/u/BrokenCamel)\ **Replies:** 4\ **Last updated:** [January 30, 2025, 5:50pm UTC](https://forum.resolutelegal.ca/t/change-of-definition-question/4073 "2025-01-30T17:50:42Z")
My income pre-disability was fairly high, especially given my education and experience. Using my Carrier’s calculations the “any job” definition would be one that pays approx $35 per hour. I’ve not seen any jobs that… --- ## [Cpp disabililty appel](https://forum.resolutelegal.ca/t/cpp-disabililty-appel/4751)
**Author:** [@Elaine68](https://forum.resolutelegal.ca/u/Elaine68)\ **Replies:** 0\ **Last updated:** [January 27, 2025, 3:45pm UTC](https://forum.resolutelegal.ca/t/cpp-disabililty-appel/4751 "2025-01-27T15:45:29Z")
I was denied because there wasn’t enough innovation, so I have a doctor’s appointment with my doctor that I’ve been seeing for the last 25 years. I’ve had 3 shoulder surgeries in the last 8 years. I’m up. I don’t sleep a… [Previous page](https://forum.resolutelegal.ca/c/disability-insurance-claims/7.md?page=1) [Next page](https://forum.resolutelegal.ca/c/disability-insurance-claims/7.md?page=3)