I’m coming up to the 3 year mark for LTD and I’m worried that my employer will terminate me. My CPP-D was approved over a year ago but there is no way I could live on that amount alone without my monthly payment from Manulife. I’m petrified at this point.
If I do get terminated is there something I can apply for through the government? Or will my CPP payment increase? I won’t be able to cover all my medication without Manulife’s coverage either. I’m so lost right now.
Your LTD claim and your employment are separate things. Whether or not you are employed, your LTD will continue as long as you are still disabled. Check your benefits booklet to see how long the LTD insurance runs - often it continues to age 65 as long as you are still disabled.
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If I’m terminated from the company, how would my benefits (through Manulife) still continue?
The LTD is a contract with the insurance company.
Once on an approved claim, the employer may not be involved unless there is a return-to-work.
Your group health benefits with your employer (dental, drugs, etc.) but you may be able to get coverage through a private plan (they typically have maximums so I think they are not very good).
Some employers might let you remain on the group health plan if you offer to pay the premiums.
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Yes the LTD benefits would continue. Employment can have an impact in some cases but only if you “retire”. If the employer terminates you, it would not affect your right to the LTD benefits, even if you otherwise can no longer make “new” claims under the group plan.
David Brannen
Disability Lawyer with Resolute Legal
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