A: It is important to understand how your private disability insurance carrier defines “disability”. For some insurance carriers “disability” means that you are unable to perform your “own occupation”, while other carriers define it as the inability to perform “any occupation”. Generally, the burden is on you to prove that you cannot perform your own occupation. It is important to recognize that policies often change the definition of “disability” after you have received benefits for a fixed period of time. For example, you have been receiving benefits for 2 years because you cannot do your own occupation, however, your policy states that after 2 years of receiving benefits you have to prove that you cannot do “ANY OCCUPATION” to continue receiving benefits.
At LaVan & Neidenberg we will review the provisions of your insurance policy carefully and work hard to build a strong medical case. We can help you avoid unnecessary delays and suffering that may result from failed attempts to secure LTD benefits. Call us now for a FREE evaluation of your case – 1.888.234.5758.