In the majority of cases insurance companies will only “top up” employment earnings for a short period of time. They usually call this a rehabilitation period at the end of which they will deem you capable of full time work, even if that is open for debate, or just not true.
It is very rare for an insurer to pay benefits for more than a few months, unless your policy has a “partial disability” clause (which is very rare).
Make sure your struggles are reported and documented by your doctor. Give a full effort in good faith to try and return to work and keep working. If the insurer gets the sense that “employment issues or harassment” are a reason for you being unable to work with “that” employer, they may say you could be able to work for another employer where those employment issues are not a problem.
You should not count on there being ongoing LTD payments if you continue to work, even on a part-time basis.
Disability Lawyer with Resolute Legal
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