So my wife has been on LTD for the last eight years after suffering a ruptured brain aneurysm. She has made a miraculous recovery and mostly fully functional but with some cognitive and brain fog issues,definitely cannot do her previous job. About six months after the event she was approved to return to work for no more than 12 hrs a week. She was also approved for LTD. LTD has been paying her benefit less the 12 hours her employer pays her and is labeled "partial return to work offset"
Recently it has been getting more difficult for her to work the 12 hrs and isn't getting that pay from her employer. My question is if she doesn't get the pay for her hours she didn't work should LTD make that up on their payment to her or since she is listed as being able to work 12hrs they will apply that offset whether she works or not? Thx