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If
you currently receive private disability benefits and want to
work or increase your employment income, carefully review your
disability policy as companies are getting tougher about keeping
coverage in force. Start with the policy's definition of
disability and how much you're allowed to work and maintain
benefits.
Some policies encourage a return to work by offering residual or
partial disability, i.e., being able to work a certain number of
hours without losing benefits. Some policies may even offer to
pay for vocational rehabilitation services if you are unable to
return to your previous occupation and want to be re-trained for
something else.
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Understanding
the policy coverage, restrictions, and your
rights is important to ensuring that your policy
isn't canceled. If you are seriously considering
a return to work, contact your insurance company
and find out what return-to-work initiatives
they offer, and request their answer in writing.
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