hi there, i was on std…even though i had submitted all forms from dr’s etc…i was called veery 2nd day and advised of company supervisors advising manulife I was attending university while on STD. Disturbing as this was, I was cut off my funding and left to fight for funding. It has left great impact on me throughout the healing process. Any words of encouragement ? Any info I can pass onto those that may be affected by a similar circumstance? I’m glad I stumbled upon this site…I wish I could have had access to this through my ordeal 
DL
It is very rare that an insurance company would continue to pay short or long-term disability benefits for a person who is attending university or any type of daily schooling. They believe that if you are well enough to attend school on a regular basis, then you should be able to work on a regular basis.
Hi David, I guess I should have been clearer. I was not attending university. It was fabricated by a supervisor. Manulife would not release any other info to me other than “what the company representative assumed” .
You should wait for the “denial letter” from Manulife that should list the reasons they are denying your disability claim. If they list “attending university” as one of the reasons, then you should clarify in your appeal that you are not attending university. Try to figure out why the insurance rep assumed this and clarify why that person was wrong. If you are unsuccessful in your appeal you would have to look at taking legal action against Manulife.
Hello, I m in a similar situation except slightly different. I have been taking online classes for a while now (1 year) and have now gone of on std. Do you think I will still be eligible to receive std? My job is hard physical labour whereas the classes are all online and don’t require me to leave the house
I’m not a lawyer.
If your policy pays for 2 years of not being able to do “your own occupation” and then after 2 years the definition of disability is unable to do “any occupation” then I would expect you to be cut off after 2 years.
Your policy might not have the “change of definition” (of disability) but I think it is a common clause.
Check your benefit booklet (ask HR for a copy if you don’t have it).
Depends on a lot of things. Not clear on situation you are describing or what benefits you are applying for. If you mean STD Benefits paid by an employer, You would have already had to file a claim back when you first went off work. You can’t start new claims if you were no working. Get a legal opinion because sounds complicated.
David Brannen
Disability Lawyer with Resolute Legal
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