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Return To Work: Group Long Term Disability (LTD)

What Should I Do If I Am Considering Going Back To Work?

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If you have been receiving benefits from a prior employer's group Long Term Disability policy and are considering returning to work, you should plan the return very carefully. Remember that once you return to work, there is no going back to your past group policy, except under the Recurring Disabilities Provision. For more about Recurring Disabilities Provisions, see above.

  • Read your policy carefully, looking for provisions that describe what happens if you return to work, particularly what happens:
    • If you can only work part time because of your health condition.
    • If you can work full time, but your new income is less than your previous income, whether it's due to your previous health condition or not.
    • If you become disabled again due to the same health condition.
    • If you need training to help you return to work.
  • Read Return To Work thoroughly, focusing on the tips for preparing to return to work, practicing through volunteerism, sharpening skills through training, and other important subjects.
  • Seek assistance in planning your return either from a specialist who assists people with returning to work.
  • Contact your insurance company to make sure their interpretation of the policy matches yours. Many provisions may seem to mean one thing to you, but may mean something else to the insurance company. You don't want to get into the situation of taking an action based on one interpretation of your policy, only to find that the insurance company has a different interpretation. See the next section on how to communicate with the insurance company about your long term disability coverage.

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