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Home > Section 4 > Disability Benefits and Work > Private Disability and Work

Private Disability and Work

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.

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.