Free Disability Claim Booklet
Receive Our Newsletter
Click Here
416.488.9000
Free Online Consultation
No Fees Unless We Win
Click Here
1.888.777.1109

Ask A Disability Lawyer

How do insurance companies define "total disability"?

Disability Insurance - Question 6
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.

Was your question answered? Yes or No
 

Other Similar Questions

How do insurance companies define "total disability?"

How do insurance companies define "medically supported restrictions or limitations?" (also known as R&Ls)

Simply enter a question or keyword (minimum 4 characters) in the “Ask a Question” box and a list of answers will be provided or you may view a list of popular disability claim law questions and answers.

 

Ask Share Lawyers

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.

Here are some commonly asked questions to get you started:
My disability claim has been denied. Does that mean I am not eligible for benefits?




Do you live outside Toronto?

We are proud to serve clients in Ontario and across Canada, including the areas listed below. Our service is enhanced by our use of technology to communicate with speed and efficiency. We communicate with our clients in person and via telephone, email, fax, courier and computer.