Trip Cancellation

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Benefits maybe limited to Mental, Nervous, Drug and Alcohol illnesses. LTD policies offer a residual option – which means the employee must be totally disabled throughout the elimination period. The Residual Option allows an employee to begin partial disability employment during the elimination period. Partial disability employment is a program in which the employee engages in vocational training or a period of work for the purpose of rehabilitation, or part time or full time employment in any occupation.