Once an insurer accepts a long term disability claim, it does not end the employer-employee relationship. The employer is expected to show that accommodations were made to help the disabled employee return to work. Similarly, the employee must show efforts as well and their ability to perform the allotted role.
However, if the employee is still unable to return to work, the employment contract will stand ‘frustrated’. This is a legal concept in which an intervening event has rendered the contract unable to be fulfilled. In this case, frustration would be precipitated by the disabled employee’s inability to perform the role.