Originally Posted by Riddler

I don't expect to receive any coverage while I'm gone, but it would be nice to know whether or not I'll be eligible to get reinstated once I return. My understanding is that the only possible way I can maintain LTD is if I either accept my recall now, or take no more than 2 years of military leave and pay both my premiums and the company's premiums for the 2 year period.

I've heard nightmares about people trying to get reinstated and having to go through some crazy proof of eligibility process in which the insurer ultimately claims that you're un-insurable because you had a head cold 5 years ago and statistics show that people who had a head cold are 0.000000000000000001% more likely to die from pneumonia when they're 103 years old.