Add Comment Question: I was employed from April 2024 until I went off sick May 9, 2025. I had health benefits and paid for the better plan that covered long term disability. As required, I started Employment Insurance short term illness coverage for full 26 weeks that eneded Nov 2025. While off sick in July 2025, my company terminated me without cause. I have tried to reach out to the insurer for long term coverage that I was entitled to, but they replied back " You do have have any effective coverage since May 9, therefore not eligible for coverage". I'm assuming that because my employment ended before my need for LTD commenced in November, I do not qualify. I am still off, unable to work. Is the Insurance liable? Answer: Thank you for your question. This is an important issue and it is strongly recommended that you contact our office at the number below as soon as possible for a consultation. For one thing, if your employment was terminated during a medical leave, that could be both a wrongful dismissal and potentially a human rights violation as well. To find out what your severance entitlements could be, please visit https://www.severancepaycalculator.com/. In addition, if you have lost disability coverage due to the actions of your employer, there is a possibility your employer may be liable for long-term disability benefits, which could be very substantial. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.