I worked for one of the major bankers over 3 years ago as a systems programmer. I had earned 3 days a week telecommuting from home, avoiding a 2+ hourly commute per day; this was due to my demonstration of commitment by working production oncall up to 24 hours straight.

After back surgery, I attempted to return to my preexisting schedule, only to be denied. As the surgery revealed degenerative disc disease, I could no longer drive the distance and ended up on long term disability. I was forcefully retired 24 months after surgery, never having the opportunity to return to active employment.