# Employer LTD Question

**URL:** <https://forum.resolutelegal.ca/t/employer-ltd-question/3711>\
**Category:** Disability Insurance\
**Created:** [April 9, 2022, 4:58pm UTC](https://forum.resolutelegal.ca/t/employer-ltd-question/3711 "2022-04-09T16:58:23Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![meiyouandus](https://avatars.discourse-cdn.com/v4/letter/m/48db29/32.png) [@meiyouandus](https://forum.resolutelegal.ca/u/meiyouandus)\
**Post date:** [April 9, 2022, 4:58pm UTC](https://forum.resolutelegal.ca/t/employer-ltd-question/3711/1 "2022-04-09T16:58:23Z")

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I was having a hard time at work due to my illness. I had asked to change to a less stress

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**Author:** ![Caro](https://avatars.discourse-cdn.com/v4/letter/c/b19c9b/32.png) [@Caro](https://forum.resolutelegal.ca/u/Caro)\
**Post date:** [April 9, 2022, 7:03pm UTC](https://forum.resolutelegal.ca/t/employer-ltd-question/3711/2 "2022-04-09T19:03:41Z")

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You need to talk to a lawyer right away. Many LTD policies only insure you until age 65 or retirement, whichever comes first, but if you had already agreed to stay on, then you didn’t retire. But you need to get the messaging right. [https://www.resolutelegal.ca/](https://www.resolutelegal.ca/)

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**Author:** ![Caro](https://avatars.discourse-cdn.com/v4/letter/c/b19c9b/32.png) [@Caro](https://forum.resolutelegal.ca/u/Caro)\
**Post date:** [April 9, 2022, 11:11pm UTC](https://forum.resolutelegal.ca/t/employer-ltd-question/3711/4 "2022-04-09T23:11:46Z")

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The language in my LTD policy says that it ends on retirement. You really need to talk to a lawyer as soon as possible about whether the notice that you gave them was effective or not. It sounds to me that you have a good argument that it wasn’t effective but you need to talk to a lawyer or you might get nothing from your LTD.