Volunteering is a fulfilling way to give back to the community, stay engaged, and maintain a sense of purpose. If you receive long term disability benefits (LTD), you may be concerned that volunteering may affect your eligibility. Although volunteering is not considered paid employment, certain factors may still impact your LTD benefits. Maintaining your benefits while participating in volunteer activities can be done by understanding your policy and taking precautions.
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How Volunteering Could Affect LTD Benefits
Long term disability insurance policies typically have specific definitions of disability and may include clauses that address any type of work, including volunteer activities. Here are some key considerations:
Policy Terms and Definitions
LTD policies define disability based on your ability to work. If your policy states that you are disabled from performing “any occupation,” participating in volunteer work that resembles a job could lead to the termination of your benefits.
Nature of Volunteer Work
If your volunteer role involves tasks similar to your previous job or requires physical or cognitive abilities that contradict your disability claim, your insurance provider might reassess your eligibility.
Hours and Responsibilities
Some insurers may monitor how many hours you volunteer. If your commitment is extensive or resembles full-time work, it could raise concerns about your ability to return to the workforce.
Reporting Requirements
Many LTD policies require you to disclose any volunteer work. Failing to report it could be viewed as misrepresentation and may jeopardize your benefits.
Surveillance and Investigations
Insurers may conduct investigations to verify disability claims. If they find evidence that contradicts your reported limitations, they may challenge your benefits.
For a free legal consultation, call 800-562-9830
Tips for Volunteering While on LTD
If you want to volunteer while receiving LTD benefits, consider some of these tips to protect yourself:
- Review Your Policy: Check your LTD policy for clauses related to volunteer work and consult a professional if needed.
- Choose Activities Carefully: Opt for volunteer roles that align with your reported limitations.
- Limit Your Hours: Keep your volunteering commitment reasonable to avoid any concerns about your ability to work.
- Communicate with Your Insurer: Being upfront about your activities can help you avoid potential disputes.
Conclusion
Volunteering can be a rewarding way to stay active while on LTD benefits, but it’s crucial to understand your policy and potential risks. You can enjoy volunteering without jeopardizing your financial support by staying informed, choosing appropriate roles, and following reporting requirements. Consult a Long Term Disability Lawyer if you are unsure if you should proceed.
Contact Us Today For Your LTD Situation
If you have questions about volunteering and Long Term Disability, we would be happy to assist. Additionally, if you need help with your Long Term Disability claim, please contact Marc Whitehead and Associates today to speak with one of our knowledgeable, experienced legal staff members.
