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These LTD policies are written by insurers, to minimize the potential exposure of an insurer; while giving the appearance that you’re getting amazing coverage. For most group and individual policies, you get what you pay for. The cheaper the policy, the cheaper the coverage. But even the best, and most iron clad policies are riddled with loop holes which may minimize your potential claim.

http://www.torontoinjurylawyerblog.com/2016/04/little-loop-holes-long-term-disability-policy-need-know-making-claim-ontario.html