LTD overpayment debt

I spoke to GWL representative this morning and he proposed 50,000 now and 2000 per mo till paid off.
He sent it to HBT for approval. It is the maximum I can do, judging by how much my mortgage is and the work needed to make the house liveable.
If HBT does not agree with this proposal, I will contact the lawyer.
I am worried that if WSBC stops my claim for any reason, I will have no money to live on. I am trying to get rid of my mortgage to be safe.
My CPP is 1130 and that is less than my mortgage. LTD took 10 mo to start paying when I got injured and kicked off from WSBC.

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