Should I Be Doing Full-Time Work or Part-Time Work When Ill or Injured?

Should I Be Doing Full-Time Work or Part-Time Work When Ill or Injured?

It goes without saying that working while ill or injured can be incredibly difficult. Many opt to reduce the number of hours they work on a regular, long-term basis in order to manage, but it’s important to understand what that could mean for your disability claim. Disability benefits are usually based on the number of hours that you worked or the amount of income that you earned prior to leaving your job on account of disability so reducing your hours for an extended period of time could result in lower disability benefit entitlement. We know this process can be complicated- that’s why we’re here to help. Let the Share Lawyers team put their years of experience in disability claims work for you!

If you are struggling to keep working and fear that you may not be able to continue, even on a part-time basis, it is a good idea to ensure that you have reviewed your disability benefits to see how your potential entitlement will be effected in the event that you reduce your hours from full-time to part-time, for a lengthy period of time. As mentioned above, many group disability policies are based on the salary you are earning at the time of disability, so if you reduce your hours and your income is reduced from $50,000 to $25,000.00, the impact on the monthly amount you may be entitled to receive could be significant. In this example, if you assume that long-term disability benefits are based on 60% of your eligible earnings, your LTD benefit on $50,000 would be $2,500 per month, and on $25,000, you would receive only $1,250 per month.

Unless your disability was brought on by a sudden illness, accident or injury, the date that you became disabled may not be perfectly clear either. A few factors have to be taken into consideration: When did you first experience disabling symptoms? When did you begin to undergo tests and receive a diagnosis, if any? Have your doctors and other health-care providers accurately documented your ongoing health condition in your medical records? Were you ever placed on modified duties or a modified work schedule on the advice of your doctors?

Therefore, timing in a disability claim is key. The amount of your entitlement may depend entirely on the date you were deemed unable to work, and the amount of hours you were working or the amount of income you received prior to that date. Because of this, it is important to ensure that your doctors are making thorough and accurate notes in your medical records. It is also essential to consider the option of full or part time work if you believe you are going to make a LTD claim.

Has your disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.

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