Many long term disability benefit recipients may want to return to school in order to become employable in another field of work to raise their monthly income. Every policy is different, but most insurance policies not only allow further education but encourage policyholders to do so. Nevertheless, if a new occupation becomes suitable for you because of your new education, and you can perform the functions of this occupation with your physical and medical limitations, your benefits could end. For more information on how going to school may affect your receipt of long term disability benefits, please continue reading, then contact one of our experienced national long term disability benefits lawyers today.
Will an insurance provider automatically terminate my long term disability benefits if I attend school?
To qualify for long term disability benefits under practically every insurance provider, the policyholder must have a medical condition that prevents them from working full time. This means that the individual can’t fulfill the functions of their current occupation or any other occupation. However, most long term disability insurance providers do not prohibit recipients from furthering their education.
Do I qualify for further education under my long term disability benefits plan?
Before you dive into post-secondary education, you should obtain a copy of your policy and read it over carefully. Your policy may have a vocational rehabilitation or education clause in it. Some long term disability plans will help someone who wants to attend classes because the insurance provider hopes that you can get back to work and they can stop paying you long term disability benefits at some point. Please keep in mind that the insurance company can and will hold certain activities against you, particularly activities that are inconsistent with your disability claim.
How does post-secondary education affect my long term disability benefits?
If you have fought for and received long term disability benefits, you should be aware that your insurance company will reexamine your case from time to time to see if you are still eligible to receive benefits. Attending school full-time could impact an LTD auditor’s evaluation of your claim, especially if the insurance company approved you for disability benefits on the basis of a mental impairment. They may terminate your benefits if they deem that your condition has improved and you no longer meet the definition of disabled.
In that case, it will help to retain the services of one of our skilled long term disability insurance attorneys as soon as possible. Not only will we discuss the limitations of your insurance policy but we will fight for you if we believe that the insurance company has unfairly terminated your benefits.
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If you or someone you know is looking to receive long term disability benefits, contact Walker & Hern for a free consultation.