At the end of two years’ disability payments, most long-term disability plans have a condition which changes the test which determines whether or not you qualify as disabled under the policy.
In most policies, for the first two years, you are considered disabled if you cannot do your own job. After that, most policies change the definition to disability to require that you be unable to do ‘any job for which you are reasonably suited by education, training or experience’. This set of words has been interpreted many times by the Courts. Each fact about your particular job and your particular disability can make the difference between qualifying and not qualifying for further long-term disability benefits.
Consult a lawyer if your long-term disability insurer stops paying you after the first two years of payments.
