I have worked for one company for the last 20 years. I am now on LTD but have never seen a LTD policy to review.

Answered on Sep 25, 2012

You do not state how long you have been on LTD. If it were was a work injury, you should also look into that avenue. If it was employer funded, they would be entitled to a credit for the amount of LTD paid, but depending on the terms, your medical benefits situation and how long it has been since the injury, it may be worth looking into.