Content Overview
- Summary
- Effect Of Return To Work For A New Employer On Your Health Insurance
- Effect Of Return To Work For A New Employer On Your Social Security Disability Income (SSDI)
- Effect Of Return To Work For A New Employer On Your Supplemental Security Income
- Effect Of Return To Work For A New Employer On Your Medicare
- Effect Of Return To Work For A New Employer On Your Medicaid
- Effect Of Return To Work For A New Employer On Drug Assistance Programs
- Effect Of Return To Work For A New Employer On Your Life Insurance
- Effect Of Return To Work For A New Employer On Long Term Disability Insurance
- What Happens To Public Benefits Such As Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicare Or Medicaid If I Have To Stop Working Again?
- What Happens To Benefits From A Current (New) Employer If I Have To Stop Working Again?
- What Happens To Benefits From A Previous Employer If I Have To Stop Working Again?
Return To Work For New Employer-Impact on Benefits
What Happens To Benefits From A Current (New) Employer If I Have To Stop Working Again?
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Benefits from Current (New) Employer
Group Life Insurance
Life insurance through your new employer will work the same as it did when you were employed before your disability leave. If waiver of premium is included as part of the employer's plan, you will have that right, which means premiums will be waived if you become disabled again.
Group Health, Dental, Vision
You will be entitled to continue coverage under COBRA. You will also have the right to convert under HIPAA.
To learn more, see COBRA and HIPAA.
Long Term Disability
If you stop working within the first 12 months after returning to work, the odds are you won't qualify for benefits under a new employer's long term disability insurance.
Generally, a Long Term Disability plan with a new employer will have a Pre-Existing Condition Waiting Period and will not provide any benefits if you leave work in the first year or two of coverage for the same condition that you were treated for prior to getting the Long Term Disability coverage.
To learn more, see Long Term Disabiliy Insurance.
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Long Term Disability Insurance
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