Disability Recurrence clause

Disability Insurance
1

Hello,

I am attempting to go back to work after 6 years of LTD. Its with a different employer from the one which i use to work for when disability happened. What are the specific questions i should be asking about recurrence clause. I am still afraid that injury might recur. My doc and physio has supported me to go to work. insurance confirmed that i have 6 months period for recurrence (with different employer to return to work for) after i start working. @David_Brannen would love to hear your thoughts on to what other questions i should be asking them. Thanks in advance

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2

Ask what you will need to prove the disability is a recurrence.

What are the odds you would have a recurrence after 6 months?

3

i have a strong probability that it might happen again

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4

There are two things I would add:

  1. Ask for a copy of the group benefits booklet so you can read the recurrence clause for yourself. Or as them to provide you with a copy of the clause.
  2. If you are planning a gradual return to work (starting at less than full time hours and working up to full time), then you should ask WHEN the 6 months clock starts - does it start immediately when you begin the GRTW or does it only start one you hit full time hours

David Brannen

Disability Lawyer with Resolute Legal

The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.

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