My long-term disability benefits were terminated — what now?

Request the medical and policy basis for the termination in writing, gather your own treating-physician evidence, and use the internal appeal. LTD terminations are among the most commonly reversed decisions, and limitation periods apply.

Can a claim be denied for something on my application?

Insurers can rescind or deny for material misrepresentation, but the standard and time limits are specific. Ask exactly what statement is relied on and get advice — these denials are frequently contestable.

Is the ombudservice free?

Yes. Independent ombudservice review costs nothing and is available once the insurer's internal process is complete.

Manulife — Your Rights & How to Escalate a Matter

Manulife: Your Rights

Manulife is a major Canadian insurer and financial services group offering life, health, disability and group benefits alongside wealth and asset management. As a federally regulated insurer it falls under OSFI's prudential oversight, with market conduct overseen provincially and independent dispute resolution available through the life and health ombudservice.

Matters Lawyers Handle in This Sector

Denied or terminated life, health or disability claims
Group benefits and long-term disability disputes
Alleged misrepresentation on an application or rescission
Beneficiary designation and estate interaction issues
Segregated fund and wealth product suitability

Your Rights

Written reasons identifying the policy provision relied on
A copy of your full policy and, where available, the claim file
Internal appeal, then independent ombudservice review at no cost
A civil claim within the applicable limitation period

How to Escalate a Matter

1Insurer internal appeal / complaints officer
First step — request the decision and reasons in writing.
2OmbudService for Life & Health Insurance (OLHI)
Independent dispute resolution for life and health insurance.
3Provincial regulator
Market conduct oversight (for example the AMF in Quebec, FSRA in Ontario).

Escalation routes and their requirements change. Confirm the current process before relying on it.

Frequently Asked Questions

My long-term disability benefits were terminated — what now?: Request the medical and policy basis for the termination in writing, gather your own treating-physician evidence, and use the internal appeal. LTD terminations are among the most commonly reversed decisions, and limitation periods apply.
Can a claim be denied for something on my application?: Insurers can rescind or deny for material misrepresentation, but the standard and time limits are specific. Ask exactly what statement is relied on and get advice — these denials are frequently contestable.
Is the ombudservice free?: Yes. Independent ombudservice review costs nothing and is available once the insurer's internal process is complete.

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This page is educational information about the regulatory framework and your options in this sector. It is not legal advice, contains no complaints, ratings, reviews or rankings, and makes no statement about the conduct of any organization. LegalCounselNearMe is not a law firm and is not affiliated with Manulife.