Originally Posted by lady_express_44

I do have one concern though, friend. Do you have LTD coverage at your company? If you do, could you lose that benefit if you move to part-time work?

My LTD plan did not have the option to collect "partial benefits", which actually worked out best for me in the long run anyway. If I had down-graded to a p/t job along the way, and still had to leave the workforce, I would have either not received LTD (after working p/t for a while), or I would have only gotten p/t LTD benefits (by the time I finally retired).

As it was, I worked from home for the last two years, on a full-time basis, and when I couldn't do that any more, I moved to full-time LTD (first short-term, then long-term).

I would just hate for you to miss out on that benefit because you down-graded your career along the way . . . when you perhaps should have just left the workforce and collected full time benefits from the get-go. . .

Sounds like you still have a bit of time to do some inquiries and re-think your decision, if necessary.

Cherie