How do insurance companies define "total disability"?
The general definition of total disability
during the "own occupation period" is that you are unable to do the substantial duties of your own job because of illness or injury. When the definition of disability
changes to “any occupation” the insurance
company wants you to believe that it means if you are not able to do any job then you are eligible for benefits. We believe that the “any occupation” wording of most policies means that if you continue to be totally disabled and cannot do an equivalent job, at the equivalent level of experience and the equivalent pay scale, then you are eligible for continuing benefits into the future.
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