Serving All of British Columbia
infobc@preszlerlaw.com Call 1-888-404-5167

Can I Still Work If I’m on Long-Term Disability Benefits?

For many people receiving long term disability benefits, the urge to return to work can be strong. Some people do not like to live off of disability benefits, while others believe they could improve their income by returning to work. While this is common, it is important to realize that returning to work could diminish your long term disability benefits. In some cases, it could mean the end of your benefit payments entirely.

Whether or not you can return to work depends on several factors. These include the level of your income as well as the hours you work each week. The most important factor is the language of your insurance policy.

The terms of your policy will dictate what benefits you are entitled to and to what degree you may return to work. The types of coverage can vary dramatically, so it is important you understand what is allowed. A qualified long term disability lawyer can advise you on your best course of action.

Any occupation vs. own occupation

Generally speaking, long term disability policies are differentiated between “Any Occupation” vs. “Own Occupation” coverage. The distinction between these policies is crucial when it comes to determining the type of work you can undertake. If you work more than these policies allow, you could see your benefits disappear.

Under an Any Occupation policy, long term disability plans will not allow you to return to work for any occupation that you are reasonably suited and gainfully employed. This standard is fairly broad under most policies. They typically prevent you from working jobs unrelated to your previous career as long as your education and experience are a relatively close fit. These policies could prevent you from working even if the wages are substantially lower than your previous job.

Own Occupation policies are often more relaxed. That does not mean you cannot lose your long term disability benefits after returning to work, however. Unlike an Any Occupation policy, these policies will only prevent you from returning to your previous job or anything similar to your regular position. Under these policies, you are less likely to lose your benefits if you return to work in a position that is distinctly different from your prior career.

For example, an Any Occupation policy is more likely than an Own Occupation policy to prevent a hurt engineer from taking a job at a gas station. However, every policy is different. To ensure you avoid losing your benefits by returning to work, consult with a long term disability law firm.

Return to Work Incentives

Some long term disability policies include limits known as “Return to Work Incentives.” These are not incentives in the sense that you could see additional benefits. These limits work to incentivize you to return to work when able by limiting the amount of compensation you may recover.

Typically, Return to Work Incentives bar you from recovering more than your gross earnings prior to your injury. In other words, the combination of your long term benefits and any new wages are capped at your previous income. The more you make in this situation, the more you will see your benefits reduced. This is assuming the terms of your policy do not cancel your benefits entirely when you return to work.

Rehabilitation Incentives

Finally, certain policies reward you for focusing on rehabilitating your injuries. These policies could include language that pays you a bonus if you see aggressive rehabilitation of your injuries. These policies usually pay these benefits with the risk of seeing them clawed back if your income is too high. However, this additional rehab could also provide your insurance provider with grounds to claim you are ready to return to the workforce.

Get the answers to your long term benefit questions

The choices you make can dramatically impact your ability to recover long term disability payments. If you return to work too early, you could find your situation only gets worse when you lose your benefits.

Consult a personal injury lawyer at Preszler Injury Lawyers if you are preparing to make a claim for long-term disability. We are dedicated to helping those with long term injuries navigate their recovery and get the most from their benefits. To discuss your claim, contact us for a free consultation right away.


1321 Blanshard Street
Suite 301,
Victoria, BC
V8W 0B6
Fax: 778-373-8213
Toll Free: 1-844-373-8202
4720 Kingsway
Suite 2600,
Burnaby, BC
V6E 3C9
Fax: 778-373-8213
Toll Free: 1-844-373-8202
5811 Cooney Road
Suite 305 South Tower,
Richmond, BC
V6X 3M1
Fax: 778-373-8213
Toll Free: 1-844-373-8202
7164 120th Street
Suite 202,
Surrey, BC
V3W 3M8
Fax: 778-373-8213
Toll Free: 1-844-373-8202
1631 Dickson Avenue
Suite 1100,
Kelowna, BC
V1Y 0B5
Fax: 778-373-8213
Toll Free: 1-844-373-8202
1075 West Georgia Street
Unit 825,
Vancouver, BC
V6E 3C9
Fax: 778-373-8213
Toll Free: 1-844-373-8202
*These are consultation offices that require a booked meeting in advance. Walk-ins are not allowed.

DISCLAIMER: Please be advised that images displayed on this website, including the header image and other marketing materials, may feature both lawyer and non-lawyer/paralegal employees of Preszler Injury Lawyers LLP, Preszler Law Firm LLP, and DPJP Professional Corporation (collectively referred to as “the Firm”), as well as unrelated third parties. Where non-lawyers or paralegals appear in Firm marketing, including but not limited to our former spokesperson John Fraser, this should not be construed as misleading to the public. Questions regarding the Firm’s use of non-lawyers in marketing may be directed to Firm management. Marketing statements on this website are not intended to, and do not, suggest qualitative superiority of the Firm, its lawyers, or its paralegals compared with other lawyers, paralegals, or law firms. All statements made are factual descriptions relating to the Firm. Any dollar amounts referenced, including those appearing in the header image or otherwise, represent cumulative amounts recovered by the Firm across Canada, whether by settlement or judgment. Such amounts are not province-specific.  The reference to “+1.3 Billion Recovered” pertains to Canadian Dollars recovered by way of settlement of judgment since inception.  The reference to “20,000 Clients Helped Across Canada” is Firm wide since inception.  Past results are not indicative of future outcomes. Individual case amounts found on this website relate to a specific case and each case is unique and its outcome will depend on its specific facts, evidence, applicable law, and other circumstances. Some of the content published on this website may not be current at the time of reading. This website is provided for general informational purposes only. Nothing on this site constitutes legal advice. Every individual’s situation is unique and requires specific advice from a licensed lawyer or paralegal. Legal advice can only be provided once you have contacted the Firm, a conflict search has been completed, and a formal lawyer-client relationship has been established through a signed retainer agreement. The maximum contingency fee charged by the Firm is 33%. References to awards or award logos on this website are not intended to suggest qualitative superiority of the Firm, its lawyers, or its paralegals compared with others. Awards have been granted by independent third-party organizations based on their own evaluative processes. The Firm has not made payments to receive any award. Fees may, however, be paid for the licensed use of award logos in marketing materials.  We are also proud to service additional provinces like OntarioAlberta and Nova Scotia.