Employment possibilities for individuals receiving LTD benefits

In some situations, disabled individuals who are receiving long-term disability benefits (LTD) may realize that they could do other income generating jobs where their disability is not a hindrance. However, LTD recipients should be cautious in securing employment, as it could lead to the termination of their benefits.

If the LTD of policyholders is defined as “own occupation” or “own occ,” they are receiving benefits defined by a disability preventing them from doing their chosen profession: the job they identified in the policy; this is true even if they are capable of doing other jobs that could earn them an income. For example, nurses who can no longer perform their everyday duties in the hospital due to a physical or medical disability might consider doing less strenuous jobs. Though LTD recipients could make the choice to do this, their benefits could be terminated if the income they make from another job is similar or more than the income they made from their previous job. It is often a wise decision that policyholders should review the terms of their coverage before applying for benefits.

Unexpectedly losing your benefits because you found a different job or for other unknown reasons can be frightening. If you are appealing for your long term disability benefits in Indiana, the Hankey Law Office attorneys may fight for you. Call us today at (800) 520-3633 to learn more about your legal options.