If you are prevented from attending work, due to injury in or illness, you may have access to short-term and long-term disability benefits through your employer or your own private insurance policy.Two-years after you first received disability benefits long-term disability coverage usually has a change in the definition of disability. The definition typically changes to an inability to perform the essential tasks of any job for which you are reasonably suited by virtue of education, training, and/or experience. It is not uncommon for an insurance company to terminate payment of benefits at the two-year mark even if the insured person is not yet able to return to work.There are many deadlines and limitation periods that can end your right to dispute a termination.Most policies give the insured a right to appeal, which often must be commenced in a very short period. In addition, there is a time limit for commencing a lawsuit for breach of the insurance policy caused by the inappropriate termination. The Insurance Act sets a one-year time limit, from the date of termination of benefits, to commence a lawsuit. An insured who has had their benefits improperly terminated may have less than one year, depending on the circumstances of the case.