What is an “own occupation” definition of disability?
- What is an "own occupation" Definition of Disability?
An own occupation provision, is the most favorable to an insured to have in a policy. With own occupation, the insurance company is going to constantly look at what job you were performing at the time you became disabled.
What one needs to understand is, you may have bought the policy 20 years ago and you were practicing medicine at that time. However you had a change of careers, you decided you wanted to pursue something else, and for instance, you decided to become a bricklayer. You become disabled at the time you were a bricklayer. The insurance company is not going to look to determine whether or not you can be a doctor any more, they are going to look at whether or not you can be a bricklayer. So own occupation will carry through constantly in transition. Maybe you bought the policy when you were a bricklayer; you went back and became a doctor. They are going to review it as if you were a doctor.
There are 4 opinions so far. Add your comment now.
Request a Free Consultation
Click Here or call 800-682-8331 Now.
We respond the same day.
We represent disability insurance claimants all over the United States.
We have handled thousands of disability claims and you can read about them.
- Palm Beach County Sheriff’s Deputy’s Long Term Disability Claim Reinstated Following Appeal by Disability Attorney Alexander Palamara
- Fresenius Medical Care North America Employee Wins Disability Appeal With CIGNA
- Hartford has a Pattern of Conducting Surveillance on a Claimant’s Birthday
- Dell & Schaefer Successfully Appeals Denial Of Benefits To Former Excel Energy Employee
Read what our clients say about us.
- Lisa S. ·I was treated above and beyond my expectations from the very first phone call to the signing of my settlement check. Stephen and his assistant Kathleen were always quick...› continue
- Jimmy H. ·I contacted Jay Symonds with Attorneys Dell & Schaefer, he was the lead attorney on my case. I was very happy with every aspect of how my case was handled. Jay kept me...› continue
- Jo Ann M. ·I contacted Stephen Jessup when I was appealing the decision to terminate my LTD benefits. I did not proceed with his services at that time but because of his...› continue