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.
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Sedgewich is the worst-immediate denial of all requests for treatment. Rubber stamps DENIED ALL RFA’s
Very very slow to respond
They leave you unable to fight
Reply
Hartford Stopped Payments
Prudential terminated my LTD, so now I have no income
Reply
Lincoln Financial made my life a living hell
Reply
They demanded an overpayment, stopped my claim, and lied about it
Reply
Sun Life is a real pain
Reply
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
Guardian Disability Benefit Claim Handling Tips
Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
Is UNUM a Good Insurance Company?
Don’t Ignore Disability Insurance. Here’s What to Buy.
How To Get Long Term Disability Benefits Approved Due To Neck Pain
Lincoln Approves Long Term Disability Benefits After Four Year Fight
Cigna Sued For Failing To Make A Timely Decision on Appeal
Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal
Illinois Mutual terminates benefits for Tire Kingdom Service Manager After Review By Hired Physician
A Hartford Disability Benefit Lawsuit Victory for Truist Banker with Lupus
Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition
Lincoln overturned its previous denial of LTD benefits for Escalation Engineer
JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal
Reviews from Our Clients






