Most LTD policies have a “recurrence clause” for the same injury/reason for disability. Typically, it is within six months of your initial attempt to return to work. However, every policy is different and something that was the case for your neighbour or friend may not be applicable to you. If you return to work and need to go back on LTD after the expiry of the allowable time period, you may have to submit a new long-term disability (LTD) claim or even start the whole process again with first applying for STD benefits. Your LTD lawyer at Verkhovets Law can advise you on this. Review your own specific LTD policy for the time limit.