With in a year of being on LTD, I was given an extension past the change of definition. or the 24 months. Was told I met all the criteria for this. Seamed strange that I had got approved a year ahead of the 24 months, but ok. My reason for being on claim is COPD . Chronic Obstructive Pulmonary Disease. By losing over 65 pounds , I've come off day oxygen in 6 months and off nocturnal oxygen( pumped into my By-Pap machine at night) after 17 months . Also because I've been hitting the gym , then pool at rec. center 5/6 days a week . Also been eating healthier. all bloodwork in good range. Now feel after 19 months I'm ready to go back to work. Just waiting for doctors approval. I have 2 questions First off . At 12 months I had (insurer requested) to go to Pulmonary Rehabilitation , And while Doing program . ( instructed exercise ) I got 2 Umbilical Hernias. But if i go back to work after 19 months .Operation only can be done at the 24 or25 month point. recovery will be about 7 weeks. so work 7 or 8 months then off for 7 weeks or so . Should insurer cover my recovery time . Since it happened at their recommended rehab? don't forget I'm going back willingly. Partly because work is trying to accommodate me . And I feel I'm ready . Now 2 nd Question. I was given a letter by insurer back at the beginning of claim, that reads ;Your Group Life Waiver of Premium benefit has been approved. GLP do not have to be paid for you . While you satisfy the LTD definition of disability. Your group life coverage remains active as long as the LTD definition of is satisfied, up to the contractual maximum allowed for this benefit.; now work paid my extended health benefits for 1 year , than said I must pay the $96 a month after that. Doesn't that quote from insurer mean I should not have to pay $96 a month.?