Question
If I return to work only part time and decide I can't continue, will Lincoln Financial base my income on when I worked part time or full time?
I’m currently on short term disability and at the point I need to decide to try and go back which I don’t think I can. I have a long term disability policy with Lincoln Financial that’s 60-66% of my income. My question is, if I try to return only part time let’s say and if I can’t handle that either and go out in disability against, at that point would they base my income from my part time work or would it go back to then I was working full time?
Answer
Kara, it would depend on the language in the policy. There is even a chance you could transition into long term disability and continue to receive a portion of your monthly benefit as you attempt to work part time. This is typically covered under the “Work Incentive” provisions of the policy. In this scenario you would be doubly protected as you could ramp up to full time work again, or if the part time does not work out, transition your long term disability claim to a complete total disability. Please feel free to contact our office to discuss your situation further.
