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Return To Work: Group Long Term Disability (LTD)

If I Return To Work, When Will My Income From My Disability Income Policy Stop?

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Generally, you lose your right to continue to receive an income once you no longer meet the policy's definition of "totally disabled."

The only way you can start collecting benefits again would be if you become disabled again from the same health condition that initially disabled you and the policy contains a Recurring Disabilities Provision, see below, which pertains to you.

If you return to work for a new employer: In addition to the income from the policy terminating, your right to continue to receive any benefits from the policy also terminates.

If you return to work for the employer for whom you worked prior to your disability: Coverage under the old policy will continue if you are treated as if you are continuing to work. It won't continue if you are treated as a new hire. How you will be treated depends on a combination of the provisions in the insurance policy and the employer's internal policies. Ideally you will be treated as an employee returning to work, and not as a new hire, so there is no new probation waiting period before you are considered a full time employee and no new pre-existing conditions waiting period during which pre-existing health conditions are not covered. (To learn more, see HIPAA).

If your former employer's policy is to treat returning employees as a new hire, you can ask for an exception. The more unique your skills and experience, the better your bargaining position will be. If you use the "If you don't do this for me, I'll go to another employer" argument, keep in mind that at a new employer's you will be subject to all the new hire restrictions, including the possibility of a waiting period and a pre-existing condition waiting period.

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