How do I stay enrolled/eligible for long term disability (LTD) coverage?
Enrollment and eligibility requirements depend on the type of long term disability coverage you have- group (employer, professional group, association) or individual. For example, if you have employer-sponsored LTD coverage, you will need to meet the active work requirement, which entails working a minimum number of hours per week. If you are unable to meet the active work requirements due to a disability, and you have passed the service wait and pre-existing condition exclusionary periods, LTD coverage may be used to replace a portion of your wages. If you have LTD coverage through a professional group or association, you will need to maintain membership to continue eligibility for benefits.
