Not sure how to word my questions, and I know I have more than what I wrote here...so please bear with me.
I am just now on Long Term Disability (LTD) through my employer paid plan that pays 60% of my full time salary. Two things are happening; I could use advice:
1) The LTD plan requires me to apply for Social Security Disability Income (SSDI)
2) and, my manager is encouraging me to request soon for Work Accommodation that would allow me to work 10 hours/week and start maybe in June 2021; that is, if I am well and my doctor allows it. My LTD plan has a provision that I must attempt work accommodation unless my doctor discourages it.
1) If I did return to work in June 2021 under Work Accommodation with the reduced hours,
a) but find within 90 days that I cannot handle it and return to LTD, won't my LTD benefit be reduced because I am now only a part timer: 60% of 1/4 of my full-time salary)?
b) won't that jeopardize my SSDI application because it seems I am not disabled and am able to work? The amount I will earn (even at 1/4 full-time salary) exceeds Social Security limit for part time work.
c) won't I be foregoing LTD benefits altogether, in exchange for even lesser pay?
d) I guess I should only consider returning if I am really well-improved, bit what is the likelihood of this? On good days, I have activity level 3—Leave house several times a week, two hours work/activity at home a day. On bad days, I am 2—Leave house once a week, concentrate one hour a day.
Hope someone can help!
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