# LTD and Letter of Employment **URL:** \ **Category:** Disability Insurance\ **Created:** [August 3, 2024, 2:28pm UTC](https://forum.resolutelegal.ca/t/ltd-and-letter-of-employment/4509 "2024-08-03T14:28:01Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![Niimi](https://avatars.discourse-cdn.com/v4/letter/n/b9bd4f/32.png) [@Niimi](https://forum.resolutelegal.ca/u/Niimi)\ **Post date:** [August 3, 2024, 2:28pm UTC](https://forum.resolutelegal.ca/t/ltd-and-letter-of-employment/4509/1 "2024-08-03T14:28:01Z")
Hello! I’ve been on LTD and now top up to my CPPD for almost 10 years. I am part of a union and still have all my benefits, etc. I’m currently in the process of buying a new house and the mortgage broker wants a letter of employment. Do they have to provide that? Or am I considered unemployed because of my LTD? Thanks! ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [August 3, 2024, 8:16pm UTC](https://forum.resolutelegal.ca/t/ltd-and-letter-of-employment/4509/2 "2024-08-03T20:16:21Z")
LTD is separate from employment. You might still be employed, you might not. If you haven’t received a letter from the employer terminating your employment for “frustration of contract” then you might still employed. If you’re not employed a “proof of income” might suffice for the mortgage broker. You can download a CPP-D one from the Service Canada website and you might get mailed one from the insurance company for LTD each year (I do but contact them if you don’t). ---
**Author:** ![Caro](https://avatars.discourse-cdn.com/v4/letter/c/b19c9b/32.png) [@Caro](https://forum.resolutelegal.ca/u/Caro)\ **Post date:** [August 3, 2024, 8:29pm UTC](https://forum.resolutelegal.ca/t/ltd-and-letter-of-employment/4509/3 "2024-08-03T20:29:30Z")
I needed a letter from my LTD claims manager for proof of income.