My sciatic pain makes it difficult to work a regular eight-hour day. I should only work two hours a day according to my doctor’s recommendations. Will my LTD benefits cover the deficit these reduced hours will cause in my pay?
This question can only be answered by a thorough review of the policy wording that applies to your case. Many LTD plans require you to be totally disabled before you can make a claim for LTD benefits. Working two hours a day may not be something that your employer is prepared to accommodate, so such significant restrictions may not make it possible for you to continue working and you may have to claim total disability. You should review the terms of your coverage to see if there is any provision for partial disability, as some plans do allow a claim for a top-up, but many do not.
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DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!
This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.