Add Comment Question: What happens if employer tells insurance company that they cannot accommodate a return to work plan and there is no job there I can do anymore? LTD is up in April. Answer: With regard to your employer's duty to accommodate you with a position, I recommend using our free employment questions website (www.terminationquestions.com) as a starting point. With regard to the denial of your LTD claim, we may be able to assist with that. I'm going to email you directly to get more information. 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.