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I was an insurance investigator for some 25 years. Long Term Disability Insurance Policies usually have a clause in them that states that you are eligible for benefits as long as you are unable to perform all of your normal work duties. My experience is that many claimants get 'cut off' disability benefits because their condition improves to a point where they can again do some of their normal working duties. Long Term Disability is just that, benefits for the long term that you are disabled, unable to work. It is not to be claimed by those who are capable of work. Billy Baird ([log in to unmask])