You are here: Home Work Issues Work: Return To Return To Work: ... What If A New Employer ...
Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Return To Work: Group Long Term Disability (LTD)

What If A New Employer Offers A Group Long Term Disability Policy? Or If My Former Employer Treats Me As A New Hire?

Next » « Previous


Whether it is a new employer or your old employer treating you as a new hire, if your new job includes a Long Term Disability policy as part of the benefits, be sure and enroll in it. Except for the possibility of using the Recurring Disabilities Provision discussed above, the coverage from your prior policy is gone forever. Enrolling in the new long term disability program will not affect the Recurring Disabilities provision of your former coverage.

Almost all group Long Term Disability plans are available without any proof of good health, so your health condition will not keep you from enrolling in the plan.

Keep in mind that there is generally a Probation Period after being hired before long term disability start. Also, every Long Term Disability policy has a Pre-Existing Conditions Provision that will prevent coverage for your existing condition for at least twelve months after the long term disability coverage starts.

You may want to consider whether what you would gain by working for this new employer will be as good as what you are now receiving from your former employer's policy. See Benefits From A New Employer.

Please share how this information is useful to you. 0 Comments


Post a Comment Have something to add to this topic? Contact Us.

Characters remaining:

  • Allowed markup: <a> <i> <b> <em> <u> <s> <strong> <code> <pre> <p>
    All other tags will be stripped.