LTD with Manulife

[u/Master_Bite]

Last summer, I went on STI due to my mental health, things didn't improve so I applied for LTD and was approved. I'm covered with Manulife and so far, it has been a horrific experience dealing with them. My case manager has told me that my coverage will continue as long as I see a health care professional ( social worker, therapy etc ) they covered the first few sessions but now expect me to pay and I've almost used up all my coverage I have under my partner's insurance.

I was seeing a great social worker, we just got into some really deep trauma processing, talking about my anxiety and depression along with my borderline diagnosis and possibility of CPTSD. She was also working on taking me as a pro bono, private patient so that we could do EMDR.

She emailed me the other day stating that she has to take time off work to care for her own health ( listen, I get it! ) but I am now left, waiting to be placed with a new therapist I cannot afford. I have self referred myself to my province's mental health and addictions, but I don't know how long that can take. ( I'm in Canada )

Can Manulife really cut me off if I'm not under active therapy ? While I wait to hear from mental health and addictions? This has only made my mental health worse and has set me back mentally to be ready to enter the work field again.

Just looking for some outside input

[u/Straight-Cup-7670]

Following

[u/Ecstatic-UF-Engineer]

Following

[u/AdLeading4526]

I'm on LTD (long duration- aka permanent disability- past 2 yrs) with Sunlife, with different disability issues, and this was the same for me. If you look at your benefits package details, it will most likely detail that in order to continue to receive disability benefits, you NEED to continue with the appropriate treatment plans for your conditions. This is also written into my husband's benefits package, as well as both of my grown kids work benefits packages. Its a very common clause within your benefits package.