Long Term Disability Insurance

Work Allowed During the Qualifying Period

If the insured satisfied the Earnings Test during the entire qualifying period, there is no limit on the number of full-time worked days performing all of your full-time material duties during it. In satisfying the Occupation Test, if the insured returned to full-time work during the qualifying period for a limited number of days and then again becomes disabled from the same or a related cause, a new qualifying period will not be required.

The maximum return to work is determined as 5 days per each month of the qualifying period. These working days need not be consecutive nor is there a limit on the number of days used in any given month.

This is not a separate maximum for each return to work, but a combined maximum for all returns to work during the qualifying period. The days as work (and weekends between days at work) will not count toward the satisfaction of the qualifying period. A working day can be any day of the week which is part of the insured's work schedule.

If the insured meets the Occupation Test only, part-time work or work that doesn't include all of the material duties of the regular occupation will not interrupt the qualifying period or the period of disability.