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How Can Benefits Be Denied On A Private "Own Occupation" Disability Claim?

On what basis can an insurance company deny benefits on a private “own occupation” disability claim?

Benefits could be denied in a number of ways. They could deny your claim because they are not satisfied that your illness or injuries are disabling. They could also deny your claim based on an interpretation of the policy regarding your pre-disability income. They could even deny your claim alleging misrepresentation at the time you applied for the coverage. A thorough understanding of the policy wording is crucial.

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DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!


This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.