Add Comment Question: I may have to apply for LTD through my employers insurer to supplement my sick leave, due to painful joint condition. I would like to return to work once health has improved, until my retirement in 3 years. My concern is what happens whet I do retire and want to obtain private health insurance. I heard it could be more difficult and expensive due to previous LTD claim ? Any other issues I should be aware of ? Please advise or direct me to someone who can Answer: These are good questions but you should contact an insurance broker to get advice regarding insurance coverage. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.