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I was recently awarded long term disability from my employer (January 2014). However, since I am a teacher, I am not paid through the summer months. I am wondering if I can find myself a job of some easy variety to supplement my income without compromising my disability income. I feel like there are days I could work--certain hours and certain jobs. But I fear flagging myself as "able to work" and loosing my income for the long haul. How much am I allowed to work while on long term disability?

Also, I would love to go to school. That is something I could easily do from home and at my own pace, but again, I am afraid of compromising my disability income. Is that an unreasonable fear? 

Do you know how long long term disability lasts? 

I have metastasized breast cancer to the bones and some soft tissue. Am doing "ok" right now, though am being recommended for new treatment.  bla bla bla Always something, right?

Thank you for considering my questions, and taking time to address them. 

4 Comments

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  • Sarah Goodell

    Sarah Goodell on May 12, 2014

    Cancer and Careers Staff Comment:

    Hi Michelle,

    Thanks for writing to us. I have sent your post over to our career and legal experts, so they will be in touch with their advice soon. In the meantime, I would recommend checking out a website called Flexjobs (http://www.flexjobs.com/) for some ideas of alternative work options that might work during the summer months. Flexjobs offers a 50% discount on membership fees for Cancer and Careers constituents, just type "CANCER" into the promo code field during payment.

    Best,

    Sarah, Cancer and Careers Associate Manager of Programs

  • Rebecca Nellis

    Rebecca Nellis on May 12, 2014

    Cancer and Careers Staff Comment:

    Hi Michelle,

    You are wise to ask these questions before you do anything work-related as you wouldn't want to compromise your long term disability. I know Sarah said she would be sending your question to a legal expert but I am quite certain that the response will be that you need to review your actual policy with a professional since they are all different.  I recommend you check out the National Cancer Legal Services Network (nclsn.org) or lawhelp.org and find someone you can speak with directly about your policy to make sure you understand all the fine print and options you may have.

    Good luck!
    Rebecca

    Rebecca V. Nellis
    VP, Programs & Strategy

  • Margot Larson

    Margot Larson on May 12, 2014

    Career Coach Comment:

    Michelle-

     Our legal experts will address your questions about long
    term disability, I can make a few suggestions.

    You may want to ask your Human Resource department at your
    school district, to provide you with a Fact
    Sheet of the terms of your Long Term disability
    . They should have done that
    at the time you were approved for disability benefits.  The benefit may be tied only to your inability
    to work at the job at you are currently trained for.  Terms of LTD plans vary based on the program
    your employer secured. You are wise to be cautious about abiding by their
    terms.  

     Based on the terms of your LTD, you may be able to do some
    work from home that might not impact your benefits.  For instance, while I am on Social Security
    disability, as a stage 4 lung cancer patient, I am still able to earn a certain
    amount per month/year without jeopardizing my disability payments.  The amount refers to net earnings, after
    related expenses.  I am able to volunteer
    as a coach and an advocate for other patients.

     I doubt that your Long Term disability program would restrict
    your ability to pursue training or education, particularly from home.  That should be no different than any physical
    exercise that might benefit your health or attending a support group.

     If you are seeking to remain engaged and stimulated, participating
    in online training and webinars is a great idea.  You can also volunteer, perhaps to do some
    tutoring, or for a Literacy organization. 
    If you are able, you could volunteer at your local hospital , library or
    church.  In most of these circumstances, there
    is flexibility to fit with your schedule and energy level. 

    I hope this is helpful.  Let us know if you need further ideas or information.

    Margot

  • Michelle R.

    Michelle R. on May 12, 2014

    Thank you, already!  You ladies are fast!

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