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Question

Will moving to a different state disrupt my LTD? Am I eligible if I am not bedridden?

Asked on November 8th 2011 by Debbie
Am I understanding this right, that if you can get in a car and drive then you are able to work? What can you do or not do while on LTD? I have been on it since December 2010 for 3 herniated discs which resulted in severe pain and inability to walk for over 6 weeks, the only thing I could do is sit or lie down. I am receiving LTD still, however I found out today that my annuity amount from my last employer will be taken out of my disability amount and most likely will have to pay them the back pay. I recieved this insurance through my employer, but never signed anything or recieved a manual on what it does and does not cover. SSI has given me indefinate LTD because of stenosis of the back and mental anxiety. I know I can’t hold down a job and who would hire someone with disabilities? What do I need to watch out for, so I keep my LTD? Also, what if I move back to my home state of Texas, will this interupt my LTD?

Answer

Answered on November 10th 2011 by Attorney Rachel Alters

Debbie, You can live anywhere in the USA and it will not interrupt your long term disability insurance payments as long as you continue to treat with doctors. You can still be eligible for disability insurance benefits if you can drive, walk, sit and stand. You do not need to be bedridden. The issue is that you must have limitations in your ability to sit, stand, walk etc., which prevent you from being able to work. A good guideline is that you must be unable to work at least four hours a day with reasonable continuity during a 40 hour work week. The problem is that Hartford will videotape you doing something for an hour and make the assumption that you can return to work. Most people will have some good days, yet this does not mean they can return to work. The things that a person can or cannot do while on disability really depends on the definition of disability in your disability policy. There are hundreds of different disability policies and the language can be different in each of them.

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