An employee is terminated but becomes very ill during his termination period that renders him unable to work in the future. He is still receiving private healthcare benefits during his termination period. Is he entitled to apply for LTD since his benefits are still active?

It is not a question of whether the employee is entitled to apply. It is very likely that the LTD benefits have been cut off. If the employee has signed off on a severance offer, there likely isn't anything to be done. If the employee has not signed off, the employee needs to call us immediately.