This benefit is available to disabled employees who are gainfully employed after the end of the elimination period or a period during which he was receiving LTD benefits.
During the first 24 months of disability, if the gross monthly benefit amount plus the disability earnings exceeds 100% of pre-disability earnings, the benefit is equal to the LTD benefit less the amount in excess of 100%.
After the first 24 months of benefits, the Work Incentive Benefit will be equal to the net monthly benefit multiplied by the Adjusted Loss of Salary Ratio. The adjusted loss of salary ratio is equal to: the pre-disability monthly earnings minus the disability earnings then divided by the pre-disability monthly earnings.
This benefit ends on the earlier of the end of the maximum period payable or the date the employee is no longer disabled.