Can the LTD insurance company offset my benefit (while on a gradual extended return to work plan) for vacation payout from hours that were accrued from / while using sick credits to top up my LTD benefits? Those sick credits were earned while using other sick credits to top up LTD (while on claim).

What is deductible from your monthly benefits will be listed in your LTD policy, and every policy is different in that regard. You should review your policy's terms to see if this is listed as an offset or not.

If the LTD insurer claims a deduction that you believe they may not have been entitled to, or if you are cut-off LTD benefits entirely, please contact us for a free consultation.