Return To Work For New Employer-Impact on Benefits

Benefits from Current (New) Employer

Group Life Insurance

Life insurance through your new employer will work the same as it did when you were employed before your disability leave. If waiver of premium is included as part of the employer's plan, you will have that right, which means premiums will be waived if you become disabled again.

Group Health, Dental, Vision

You will be entitled to continue coverage under COBRA. You will also have the right to convert under HIPAA.

To learn more, see COBRA and HIPAA.

Long Term Disability

If you stop working within the first 12 months after returning to work, the odds are you won't qualify for benefits under a new employer's long term disability insurance.

Generally, a Long Term Disability plan with a new employer will have a Pre-Existing Condition Waiting Period and will not provide any benefits if you leave work in the first year or two of coverage for the same condition that you were treated for prior to getting the Long Term Disability coverage.

To learn more, see Long Term Disabiliy Insurance.

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