Thanks, question answered!

Disability Insurance
1

Thanks, question answered!

2

Yes, the contract to pay LTD is between you and the insurer.

3

Thanks, question answered!

4

I don’t think that is true.
Where did you hear it?
Your LTD group insurance coverage will end but if you have already been approved for LTD then I think that is safe.
I think the typical advice is never to quit voluntarily.

5

Your employment status is independent of your right to make a disability claim. The only important thing is that you make a disability claim while you were actively at work with your employer. After that, the employment status is not relevant to the disability claim in most cases, unless your disability plan is owned and administered by your employer (as opposed to being a group disability insurance plan). In these situations, you always need to get custom legal advice because things can be very fact specific.

David Brannen

Disability Lawyer with Resolute Legal

_The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliabile manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-282-5188 to speak with a member with our disability claim support team._strong text

6

Thanks, question answered!

7

Your premiums are paid by your LTD insurer. Your employment and your LTD insurance are two different contracts.

When you are on LTD and your employer decides to terminate your employment, you’ll still continue receiving your LTD benefits.

You can choose to sue your employer for different reasons like violation of your human right as a person with disability or for wrongful termination if you wish to do so.

Anyways you’ll continue to remain on LTD.
With terminated employment you may lose your extended health benefits and pension contributions by your employer.

We talked about this on the forum a lot previously.