Add Comment Question: Do I need to take any action if I am currently on LTD but my employer anticipates changing insurance carriers in the next year? Do I need to be aware or concerned about this possibility, and is there anything that should be done to prevent any complications. Answer: If your employer switches carriers, your LTD benefits should continue as normal with no issues. As long as you remain on LTD, you'll be dealing with the initial carrier. It may become a bit more complicated if you return to work and then need to go back off again, then it would come down to wording in both of your LTD policies to determine any options. 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.