Real Life Example: William’s Story
William, 62, living in Vancouver, has been on LTD assistance for the past 4 years after developing a chronic illness. As he nears retirement age, William wonders: “How long will my benefits continue? What happens if they end?”
William’s policy states his disability benefits last until age 65 as long as he remains disabled under the any occupation definition. Since he is still unable to perform any suitable job, his payments should continue for another three years—unless his insurer finds evidence that he’s no longer disabled, or that he could do another job.
What is a Change of Definition?
A crucial point in nearly all long term disability insurance policies is the Change of Definition, which is a shift that commonly happens after 24 months on claim.
First 24 months ("Own Occupation"):
You are considered disabled if you cannot perform the main duties of your own job.
After 24 months ("Any Occupation"):
The insurer asks if you can work in any job that matches your education, training, or experience
What Happens When You Reach Retirement Age?
For most plans, LTD payments automatically stop when you hit the retirement age as defined in your insurance policy—even if you remain unable to work.
Standard LTD policies do not convert to another type of payment, such as a pension or annuity, from the insurance company after the benefit period ends. The financial support ends, and you would rely on other income sources, such as personal savings or government retirement benefits (CPP/OAS/RRSP), from that point forward.
Other Reasons Why Long Term Disability May Be Terminated
Your disability benefits may be cut off for other reasons outside the three main scenarios. Some common causes include:
Failure to communicate with your LTD insurer: Not responding to calls, emails, or requests for updates.
Non-compliance with prescribed treatment or rehab: If you refuse treatment or fail to attend required appointments, your insurer may terminate your coverage.
Failure to follow medical advice: Ignoring your doctor’s instructions or not taking prescribed medication can give insurers a reason to deny your claim.
Substance abuse or addiction: Not seeking help or support for addiction can jeopardize your LTD payments.
Moving to another country: Most policies require you to live in Canada; relocating could end your benefits.
Going to jail: Incarceration almost always means that payments stop.
When you are no longer disabled: If medical evidence shows you have recovered or can work, your disability claim ends.
Every situation is unique, so always check your insurance coverage rules or talk with a disability lawyer if you are unsure.
Maintaining Your Long Term Disability Eligibility
To keep your disability benefits active and avoid early termination, you must:
Provide up-to-date medical records to your insurer.
Cooperate with requests for independent medical exams (IMEs).
Attend all medical and rehab appointments.
Follow your doctor’s advice and treatment plan.
Respond promptly to insurer communications.
Stay in Canada unless you have written permission to leave.
Even those without a clear medical diagnosis may qualify, provided they document detailed, disabling symptoms and how these impact work capacity.
Protecting Your Long Term Disability Benefit Period
Review your full policy or insurance coverage booklet.
Mark key dates: claim start, elimination period, and policy’s benefit end date.
Keep all medical records up to date and organized.
Attend all appointments and stick to prescribed treatments.
Respond to all requests from the disability insurance company quickly.
Stay informed about the change of definition and prepare medical documentation in advance of the 24-month review.
If unsure or threatened with termination, consult an experienced disability lawyer.
What to Do if Your Long Term Disability Benefits End Prematurely
If your disability benefits are terminated before you’re ready or before you reach policy age limits, don’t give up:
Request a detailed explanation: Insurers must provide reasons for ending your claim. Review their letter carefully.
Gather medical documentation: Updated medical records and specialist reports are critical.
Consult a disability lawyer quickly: Experienced teams like Share Lawyers can challenge unfair denials, and advocate on your behalf
Check for alternate insurance coverage: Some individuals may have more than one private or workplace policy.
Frequently Asked Questions
Will my long term disability always last until I'm 65?
No, not always. Most policies have a maximum benefit period of around 65 years old, but they can end sooner if your insurer believes you’re able to return to work or if you no longer meet the definition of disability after the initial 24 months.
What if I lack a clear diagnosis?
If your daily function is genuinely limited, your symptoms—together with a doctor’s opinion—are often enough for eligibility. Be thorough in reporting your experience.
Should I tell my insurer if I travel or move?
Absolutely. Leaving the country or extended travel can cause automatic termination of most disability insurance policies.
If your claim is denied or ended without just cause, act quickly. The disability lawyers at Share Lawyers offer a free consultation and charge No Fees Unless You Win, and help you fight denial or early termination of your disability benefits.
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