Hi, an employee on sick leave doesn’t always have the right to continue to participate in the employer’s group medical plan, even when approved on LTD. Many employers will allow you to stay on the medical plan, but some won’t. The smaller the employer the more likely they will want you off the medical plan. Sometimes, the group plan itself will dictate when the employer must take people off the plan. Having that type of clause in the group plan can make it less expensive for the employer because employees on sick leave tend to use more benefits. So, some employers will choose a group plan that has mandates employees on sick leave can only say on medical benefits for 2 years, 1 year or six months. I have seen it as short as 3 months.
Check to see if you can convert your group plan to an individual plan. Often that is an option, but may too expense to be worthwhile to do so.
Your group plan will say what happens when you return to work. You will likely have to apply again, just like a new employee.
Disability Lawyer with Resolute Legal
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