I’ve been accepted under my LTD for about 6 months now and I have more questions than answers. In this case, total disability is of the “own occupation” variety extending to 65 y/o. However they started asking if I was able to take on “any occupation” and the possibility of filing a claim to CCP-D (which I’ll probably have to do).
In case CCP-D claim gets rejected how will that affect my LTD? Can they force me to take a minimum wage job or a “rehab” job of their choosing?
I can’t find anything in the contract other than them cutting a percentage of benefits if I do get a job and the rehab part only state that I need their approval to get one (though they do say that resources are provided to assist with rehab). Finally I can’t find anything in the “exclusions” regarding accepting/refusing said rehab job…
I’m new to this and don’t know what to expect. Any advice/insight is welcome.