Add Comment Question: I'm at the end of STD for depression and I'm applying for LTD. Can the insurance company ask me to do a different job that the one I'm currently doing ? Answer: No. The test for qualifying for LTD for the first 2 years is whether you can do your OWN occupation. After 2 years the test changes to ANY occupation for which you are suited for by training, education or experience. 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.