46 yr old, 13 Year FT Pkg Drvr, I had Knee/Back/Foot surgury - (ALL Work Comp) during my tenure, now currently no longer able to do the job, STD due to Run out, currently in the process of filing for LTD. Any and ALL advice / insight/ expectations are greatly appreciated. No need to Copy/Post the LTD outline, I have viewed it already on someone elses thread. I just wana know what the "Expect the Unexpected" circumstances I should prepare for, since becoming disabled by my job. I want to go back to work within my restrictions per my Doctor, Will they Accomodate me ? Is there a chance ? At what point can I withdrawl 100 % of my 401K ? If Approved for LTD, is my medical coverage the same ? Is there any out of pocket cost for coverage ? Am I only covered for up to 1 year ?