I have a private disability policy and my insurance company insists that I can work. I just can’t work at “my own” occupation. What if I can work at something else?
The policy wording is crucial. Many private policies are sold as paying out benefits if you cannot work in your chosen profession. Yet, amendments to these policies over time have dramatically affected how they apply in practice. In short, if you are able to work at a different occupation, you might still be entitled to disability benefits. Even so, the policy must be carefully reviewed.
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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.