Not sure whether or how your LTD limits your vacation planning or activities? An experienced long-term disability claim attorney can help by reviewing your policy and ensuring your plans comply with its terms. While your disability insurance policy won’t restrict you from engaging in certain potentially risky activities on a vacation-like scuba diving or paragliding, you can count on your disability insurer to scour social media looking for pictures or film of you engaging in activities inconsistent with your doctor or therapists, restrictions and limitations. A policy may contain restrictions on a covered person’s ability to travel for 12 months or more out of the country. While their disabilities may limit their capabilities in some respects, they may still be able to travel without putting their health at serious risk.īefore planning or heading out on a vacation, however, always review the terms of your long-term disability insurance policy.
Many people who receive long-term disability benefits and cannot work can still go about their daily lives. It is possible to put your LTD benefits at risk if you don’t follow that guidance. However, stay mindful of any limitations that your long-term disability (LTD) insurance policy, and your doctor, set on your activities. You can and should still enjoy your life as much as possible, and that includes taking a vacation. Receiving disability does not amount to a sentence of home confinement. People often ask, does receiving disability payments mean you have to stay home, doing nothing until you heal enough to return to the workforce (assuming that’s possible)? Does being disabled mean you can’t take a vacation? If you suffer a disabling sickness or injury that prevents you from working, you may have the right to receive disability insurance benefits to help you cover your needs and expenses while not receiving a paycheck.
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