# Continuation of LTD or separate STD claim?

**URL:** <https://forum.resolutelegal.ca/t/continuation-of-ltd-or-separate-std-claim/5377>\
**Category:** Disability Insurance\
**Created:** [January 8, 2026, 4:25am UTC](https://forum.resolutelegal.ca/t/continuation-of-ltd-or-separate-std-claim/5377 "2026-01-08T04:25:14Z")\
**Posts on this page:** 1\
**Page:** 1

<div class="post-metadata">

**Author:** ![Arie\_Tun](https://avatars.discourse-cdn.com/v4/letter/a/7ba0ec/32.png) [@Arie\_Tun](https://forum.resolutelegal.ca/u/Arie_Tun)\
**Post date:** [January 8, 2026, 4:25am UTC](https://forum.resolutelegal.ca/t/continuation-of-ltd-or-separate-std-claim/5377/1 "2026-01-08T04:25:14Z")

</div>

I have been on LTD for physical and mental health conditions. I have since returned to work for a week. I also have surgery booked for next week. Both my doc and I feel it is unrelated to LTD.

My policy states that if total disability occurs again for same or related causes, it will be considered a continuation of the previous total disability if it is within 6 months for LTD.

Would my time off for surgery recovery be a separate STD claim? Or will insurance probably call it a continuation of LTD because it has not been 6 months?

If it is a continuation of LTD then will my employer let me go if goes past 2 years?