Originally Posted by Hedley

Time to LTD is the key if you plan to spend the last few years on LTD and just ride that train until retirement. If you plan on coming back, I'd recommend having enough pad to avoid LTD of you can. While out you don't get vacation accrual, can't contribute to your 401(k), no profit sharing........ It's still a great safety net and I'm glad that it's there.