Is Manulife Stopping Your Disability Benefits After Two Years?

Have you received a letter from Manulife stating that you have been receiving disability benefits for two years but those benefits will now be stopped?  You are not alone.

Most Manulife 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 Manulife policy may define ‘disability’ as being totally disabled from performing any gainful occupation that you are suited to by way of education, training or experience.

Once the two year mark is reached Manulife may justify its termination of your disability benefits by telling you that you can do some other form of sedentary work such as being a parking lot attendant or a greeter in a store.

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

Often, people suffering from chronic pain, fibromyalgia, depression 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 intimidated by Manulife’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 Manulife 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 with your disability insurance company.

We offer free consultations and don’t charge until your case is resolved.  We represent people throughout Ontario, Alberta and for those who cannot meet us at one of our offices we offer consultation at your home, a local coffee shop, courthouse, by telephone, Skype or WhatsApp.


We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance 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 can meet you at our offices, at a coffee shop, your home or a local court house. 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.

Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.