"Own Occupation" vs. "Any Occupation" | MacGillivray Law
Автор: MacGillivray Injury & Insurance Law
Загружено: 2019-08-09
Просмотров: 772
Описание: In most long-term disability policies, insurers define the term "total disability". This definition changes after a period of two years. The insurer will pay you benefits for a period of at least two years if you are able to prove, with medical documentation, that you are totally disabled from performing the essential duties of your own occupation, or the work you were doing at the time you became disabled. After two years, the insurer will only continue to pay you benefits if you are able to prove that you are totally disabled from performing any occupation. Keep in mind, however, that this definition of "any occupation" does not mean any occupation at all. Instead, it is any occupation for which you are reasonably suited for by your educational background, training and experience.
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