What happens when your employer terminated you as a medical termination?

I have been on LTD for 2 3/4 years. I do not know what happens when they do that to you. How should/could that affect my LTD ? I am getting very little to no help from my HR and I am not wanting to ask my insurer as they have been not pleasant to interact with. (Read that as horrid)

Can anybody help with what may happen to me? I have 2 children and a husband who works hard but is not in a high paying job. I am scared.

Thank you

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Your LTD will continue.
The contract for existing claims is between you and the insurance company.
You will lose group medical/health coverage through your employer.


As others have noted, once you have an open LTD claim or appeal your work status after that point is not relevant. Losing your job won’t affect your LTD claim or benefits.

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 1-877-282-5188 to speak with a member with our disability claim support team.