u/Lesbehonest_5008

I am looking at getting a private practice therapy job. With that I have to get marketplace insurance as I am leaving my current job that has benefits. I could use cobra for a while but I’m not really sure what that is. I guess how do you manage the marketplace? I have a lot of mental health needs such as therapy, expensive medications, and psychiatrist appointments. I just want to make sure I’m getting the best plan for me. I live in Tennessee and I’m 32 years old and female. I am paying both ends of my insurance at this point because I’m on leave from work which is about $1400 a month which I can afford right now.

I am currently on LTD. I have been out of work for 8 months and I have at least another 2 months before I return to work. My job has told me they are demoting me but keeping my pay the same when I return, but that was told to me when I thought I might return in the next few weeks before I knew I was demoted to a harder job that I will fail at. I know they want to fire me which is why they demoted me because they know I can’t do the job.

My question is: if I’m fired what happens to my LTD? If I resign before getting fired do I lose my LTD? If I go back to work and work a few days and realize I can’t handle the job can I get back in LTD?

I’m trying to figure out my next steps. I have been at this job for 7 years and have worked up to a supervisor position only to be demoted to a more stressful position.

Thank you for any help.