Can the terms of my disability benefits change in the future?

A: Most long-term disability policies apply the “own occupation” definition of disability for the first two years of receiving benefits. However, these same policies also include a provision that entitles the insurance carrier to apply an “any occupation” standard for benefits after 2 years have passed. It is much more challenging to prove that you cannot do “any occupation”, than it is to prove you cannot do your “own occupation”,  and as a result many insurance carriers will cut off your benefits when the policy changes. We understand this is very confusing. If your benefits have been, or are in jeopardy of being cut off, call us today at 1.888.234.5758 for a FREE consultation.