Yes. As long as you are working full time, you will receive a maximum of 48 months of benefits. If you are over age 65 when you go on disability and are still working full- time, the maximum benefit period is 30 months and tapers down as you get older. If you are 69 or older, you will receive a maximum of 18 months of benefits.

You must complete a 90-day Elimination Period before you can receive Long Term Disability benefits.

Yes. This is referred to as the Return-to-Work incentive. For partially disabled claimants, IDU provides an incentive for their return to work after the elimination period by allowing them to receive a full monthly disability benefit, as long as their benefit, plus their work earnings, does not exceed 100% of their pre-disability earnings. This provision is available for the first 24 months of partial work after the Elimination Period.

No, IDU does not require claimants to be totally disabled to qualify for benefits; benefit qualification can be achieved by either partial or total disability, this is known as Zero-Day Residual.