Are all LTD claimants considered for alternative professions as part of the “any occupation” investigation?

A visitor to our website recently posted this question:

Are all LTD claimants systematically considered for alternative professions by the various disability insurers as part of the “any occupation” investigation? I especially wonder if older workers might get a bye after a certain age.

The evaluation during an Any Occupation depends on the definition of disability. If there is no income component to the Any Occupation definition than the disability insurer will have to consider alternative occupations based upon the claimant’s education, work experience, and documented restrictions and limitations. The carriers will often evaluate an occupation by determining if an occupation is sedentary, light, heavy duty, and then try to find jobs that match the claimant’s qualifications and experience. In most cases the disability companies generate unreasonable computer printouts of potential jobs that a claimant could either never perform or the job simply does not exist in the local labor market. Older claimants do not get a bye at a certain age as most disability policies without a lifetime rider end at age 65 or 67. It is surprising how many 64 and 65 year old people we see that get denied disability benefits.

Comments (2)

  • John,

    Please feel free to contact our office to discuss your claim in detail.

    Stephen Jessup Nov 7, 2015  #2

  • I have a copy of my ltd policy that says it will not acrue benefits over 48 months. I have been out for the last 36 months, they paid me the first 24 months (they tried the mental bogus issue) but they are now with the any occupation. Are there any other area that I can fight after the 48 months? I will never be the same or even do the same job, I’m 53 years old.

    Ltd still owes me offset from ssdi which they did start taking without my authorization even after I signed the reimbursement agreement letter, they told me they missed placed it. They owe me 10 months of offset. I was told we should wait for the decision from ssdi which it was a denial.

    John V. Nov 6, 2015  #1

Leave a comment or ask us a question

Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Jill F. (Illinois)

I just wanted to take a moment to thank Rachel Alters and Liz M. for all their hard work with the lawsuit against Cigna. I never could have made it all happen without you and your associates. If I ever had any questions, they were promptly addressed, email were answered within 24 hrs., and I was never left in the dark about what was happening with my case. I argued with the insurance company about what was owed to me for years and was always rejected. Rachel and her team took on my case and were able to secure monies for my past, present and future. I received more money than I thought was possible and it was all done quickly. My case was not a large case but Rachel still wanted to help. You don’t find many attorneys with a heart.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us