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Return to Work For Your Former Employer: Impact On Benefits Such As Health Insurance

Effect Of Return To Work On Long Term Disability Insurance

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To know what happens to income you've been receiving from a long term disability insurance policy, you have to look at the policy. They're all different.

Check to see whether the policy covers inability to work in your "own occupation" or "any occupation." Each policy is different, but in general:

If your policy covers "own occupation," and you can work but can't return to your "own occupation"

Your income will continue. For example, a surgeon who hurts a hand can no longer do surgery ("own occupation") but can still function as a doctor. She would be entitled to income because she can't perform her own occupation.

If your policy covers "any occupation" and you can work

Payments will stop -- even though you can't return to your "own occupation." In our example, if a surgeon hurts a hand and can no longer work as a surgeon, she can still work as a doctor. As soon as she can work as a non-surgical doctor, her disability income will stop.

If you can work, but not to the same extent you used to, check your policy to see what it says about "residual" or "partial" disability.

These provisions encourage a return to work by supplementing reduced earnings.

If you go back to work, and become disabled again during a specified period of time after returning to work

Most policies provide that there is no new waiting period for the disability income to start. That would mean if you can't make it at work, your income will start again as soon as you stop working.

If your policy is an individual one

You can continue it as long as you continue to pay the premiums.

If your disability insurance is group, and you return to the same employer

The original insurer's obligations end, although you may continue to receive income as noted above.


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