How Do Insurance Companies Define "Total Disability"?
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.
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.
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