Is it Possible to Collect Long Term Disability Benefits and a Paycheck?
Collecting long term disability benefits while simultaneously working a full time job that affords you the luxury of collecting a paycheck might seem contradictory to the layperson. It might also seem fraudulent to some. The truth of the matter is that it is possible and it is totally legal. Having the ability to collect both a paycheck and long term disability benefits concurrently will depend on the legal language in your disability policy. Total disability is defined in your disability insurance policy. This definition can vary from policy to policy. Three commonly used definitions include own-occupation, modified own-occupation and gainful occupation. Modified own-occupation and gainful occupation disability policies will usually disallow such a scenario. A disability policy with own-occupation language may not. Own-occupation is the most flexible definition of total disability for an insured. If the insured is unable to perform the material and substantial duties of his or her occ
