Long Term Disability: The Determination Process

1. Can you perform the duties of your job?

1.1. Yes

1.1.1. Denied. Go back to work.

1.2. No

1.2.1. Are you qualified for any other jobs?

1.2.1.1. Yes

1.2.1.1.1. Stop receiving LTD, and explore options

1.2.1.2. No

1.2.1.2.1. Stay on LTD for length of disability or until retirement