Add Comment Question: I worked f or a company that had a union. I became disabled and was off work when our contract was still in negotiation. When the contract was settled they back paid the employees to a time when I was still at work. Should my LTD formula be adjusted to include this increase? Thank You Answer: It depends on the provisions of the policy. Typically your LTD benefit calculation is based on a formula outlined in the policy so it is important that you review your policy and if need be, ask your adjuster to explain how your benefit has been calculated. If you run into issues, let us know. Our contact information is below. 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.