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Auguste is a member of a group plan that offers long-term disability benefits that are payable to age 65. The benefit provides 67% of the
Auguste is a member of a group plan that offers long-term disability benefits that are payable to age 65. The benefit provides 67% of the member's pre-disability salary. There is a 12 month waiting period (which matches the benefit period for STD). The plan also contains a recurrent disability clause. After a period of qualifying for long-term benefits, this feature is activated if the employee is able to return to work and then the disability recurs within six months. At age 52, Auguste suffered a severe back injury in a fall on the job and was off work for 18 months. He returned to work but was forced to go on permanent disability after four months, due to a recurrence of the injury. What would the impact of the recurrent disability clause be? Question 22 options: A) He would have to go back on short-term disability immediately, for 12 months, before restarting his long-term benefits. B) He could recommence receiving long-term disability benefits immediately with no negative consequences arising from his previous benefit period. C) He could recommence receiving long-term disability benefits immediately, but his overall benefit period would be reduced by the benefits he had received to date. D)
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