Add Comment Question: I attempted a return to work while on LTD because I thought I was better but had a recurrence. I have been told by my insurer that if I tried another return to my own occupation, I would not be insured because they are not contractually obligated to assist with that since I am far beyond the change of definition. Is this true, even if I became well enough? 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.