I was born in April.
65 is a while but I’m curious.
This is the wording:
Long-Term Disability coverage will end on the day you reach age 65 less the elimination period of 119 days or the day you retire, whichever is earlier. Coverage may also end on an earlier date, as specified in General Information.
Sounds like my LTD ends in Dec or Jan.
Except maybe I can “retire” in Sep and then LTD continues until April.
When am I forced to retire?
With the way it reads has me wondering if you are looking at the wrong part. I suspect that language is referring to when you can be insured under an insurance policy, and not to when an active claim ends. Otherwise the reference to the elimination period would be double dipping by not paying during the elimination period at the beginning and at the end of the claim.
You would be paid until the day before your 65th birthday. The mention of the elimination period would not apply to you because you are already on an approved claim. That is there for someone who makes a new application close to their 65th birthday, or the date of retirement, whichever is earlier.
David Brannen
Disability Lawyer with Resolute Legal
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