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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