Originally Posted by Qotsaautopilot

Key words are "if you are not able to work any reasonable occupation".

If you have two arms, two legs, and are of sound mind you are "able" meaning reasonable occupation or not you better get one because no mo LTD for you,

A reasonable occupation has nothing to do with losing your medical and not being able to fly. So if you went on LTD because you lost your medical and after two years you can't get it back but can otherwise work at a "reasonable occupation" then you're off LTD but you can't come back as a pilot. In other words FUKCED!