Question:

What happens if I return to work?

Answer:

Please contact us immediately if you are thinking of returning to work. Under the terms of your short term disability (STD) policy, if you resume performing the majority of your normal duties, your benefits will end. However, if you are unable to continue working because of the same or a related disabling condition, benefits may possibly be resumed without another elimination period. Under the terms of your long term disability (LTD) policy, you may, during the first two years of disability, and with our preapproval, return to work on a partial basis or in another capacity without a complete loss of benefits. In such cases, we will integrate a portion of your earned income. This arrangement allows you to receive, from LTD benefits and earnings together, up to a maximum of 100% of your predisability income. If you are able to return to performing the majority of your normal duties, your LTD benefits will end. However, if you are unable to continue working because of the same or a related disabling condition, and you have not returned to work, satisfactorily performing your job for at least six months, benefits may possibly be resumed without another elimination period.