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Return to Work For Your Former Employer: Impact On Benefits Such As Health Insurance

Return To Work: For What New Benefits Am I Eligible?

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If you are treated as a continuing employee, you are entitled to the benefits currently offered to someone in your position.

If you are treated as a new hire (a new employee), you will be eligible for all employee benefits that are offered to other employees in the same classification -- regardless of your health history.

If Group Health, Long Term Disability, and/or Group Life Insurance are offered to employees in your classification, then they will also be available to you. Normally only the higher amounts of voluntary, supplemental life insurance will require evidence of good health.

If no more than 63 days has passed since your previous health coverage ended, under HIPAA, the amount of time you had the former health insurance will count against any pre-existing condition exclusion that may apply to a new employer's coverage. If you have the former coverage for twelve months or more, and sign up for the new coverage as soon as you are eligible, there will be no pre-existing condition exclusion at all.


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