Kotak law - Is Canada Life Stopping your Disability Benefits after two years?

Have you received a letter from Canada Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You would be surprised how often this happens.

Most Canada Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually, for the first two years, disability is defined as an inability to perform the essential tasks of your pre-disability employment. However, after two years of paying disability benefits the Canada Life policy may define disability as being totally disabled from performing any gainful occupation that you are suited or could become suited by way of education, training or experience.

Once the two year mark is reached Canada Life may justify it’s the termination of your disability benefits by telling you that you can do some other form of sedentary work such as being a greeter in a store, car wash attendant or a cashier.

If your long term disability claim is terminated by Canada Life in this manner you should seek the advice and assistance of a disability claim lawyer as soon as possible. Your lawyer can help you gather the medical evidence you may need to establish that you do in fact meet the definition of total disability as set out in the Canada Life insurance policy.

Often people suffering from chronic pain, chronic fatigue, fibromyalgia, IBS, colitis, degenerative disk disease, depression, stress or anxiety are unable to perform any other job due to their condition. There are numerous other medical conditions that may prevent you from working and you should not be bullied by Canada Life’s insistence that you can do some other job that you have never done before.

If you have been denied short term or long term disability benefits by Canada Life or another disability insurance company you are no doubt feeling frustrated by the process. At Kotak Law we are committed to helping people access the disability benefits they have been denied and we understand your frustration and anger with your disability insurance company.

We offer free consultations and don’t charge until your case is resolved. We represent people throughout Ontario and we offer consultation by telephone, Skype, zoom, email or WhatsApp.


We understand that being denied short term disability or long term disability benefits can be devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling a short and long term disability claim lawyer at Kotak Personal Injury Law. We have successfully sued numerous disability insurance companies including Manulife, Sunlife, Desjardins, Cigna, Great-West Life, Equitable Life, Empire Life, London Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance, Canada Life, Fenchurch, OTIP, Teachers Life and more.

Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.