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However, the interest rate is fixed for the life of the loan.

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As private companies, they are always working for the benefit of its shareholders.

In the event of an injury or illness where you are not able to return to work, long term disability insurance offers some protection by providing you with a portion of your income that can go towards bills, expenses, and medical treatment and/or rehabilitation.

Essentially, it aims to offset any financial hardship you might suffer as a result of being unable to return to work due to a medical condition.

However, depending on your situation it may be necessary to sue other parties, such as, the broker who sold you the policy.

Your lawyer will work with you to decide the best course of action.