Check Your Long-Term Disability Insurance Policy Details
Some long-term disability insurance policies prohibit working while receiving benefits, and also define what constitutes an actual disability under the terms of the policy. Long-term disability insurance policies may include an “own occupation” clause, which qualifies members for benefits if they are unable to perform the duties of their own job due to a medical condition. This is referred to as “own occupation” or “OCC.” Other long-term disability insurance policies have “any occupation” or “ACC” clauses, which mean the member cannot perform the duties of any job.
Get Your Doctor’s Approval to Work
Before considering any job or business opportunities that require you to perform tasks of any kind, it is essential to seek support and approval from your medical team. There are several reasons for this. First, you want to ensure that any types of tasks you will perform while working, even if they are light or seated, have been reviewed. This can help identify any adjustments you may need to work without re-injuring your body. Second, your doctor will be able to support your goals of returning to work so that you can obtain the necessary medical documentation to do so when you are ready.
Speak with a Lawyer (If Necessary)
It may be wise to speak with a qualified attorney before engaging in any work while receiving long-term disability benefits or hoping to receive them. The attorney should have a strong background in assisting individuals who have suffered work-related injuries. Often, attorneys will collaborate with healthcare providers to ensure your legal rights are protected. A lawyer can help you understand the terms of your long-term disability insurance policy, including any restrictions on how much you can earn.
Choose Your Return Profession Carefully
Remember, as you embark on the next chapter of your life as a person disabled at least partially due to work, you will want to choose a future profession carefully. Avoid tasks that may cause permanent disability or that conflict with your physical and mental health. Stick to the skills and abilities you possess that will not cause you any additional harm.
Frequently Asked Questions (FAQs)
Can you return to work after receiving Social Security benefits?
Generally, you cannot work and receive Social Security benefits at the same time. Most long-term disability insurance companies will require you to apply for Social Security benefits.
Can I get a job after becoming disabled?
In some cases, you can work while receiving long-term disability payments. However, your insurance plan may impose limits on how much you can earn based on your policy payments.
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Source: https://www.thebalancemoney.com/returning-to-work-on-long-term-disability-benefits-1177877
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