Add Comment Question: While on LTD my department was sold to another company. Once approved to return to work I anticipate employer will severance me. Without a gradual return to work I'm not sure I will be successful. Assuming there is a severance can you confirm that recurrence clause with the insurance no longer applies? Answer: I'm going to email you about this directly. 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.