Salesperson Disability Insurance Claim Tips To Get Approved

As a sales representative claiming disability benefits, you need to be aware of several issues and potential pitfalls when seeking long term disability benefits. “Sales representative” is a very broad term as the job task and duties are different for every employer. The duties of your specific job may require much more nuance, understanding, and evidence to make sure your claim is approved. Having handled hundreds, if not thousands of disability benefit claims for sales representatives, we want to educate you about the issues most sales reps encounter when filing for disability benefits.

In this salesperson disability benefit video, Gregory Dell and Stephen Jessup share their experiences and provide some helpful tips specific to people with sales based jobs. Contact any of our lawyers for a free immediate phone consultation and we will discuss your disability insurance claim.

What is own occupation vs any occupation definition of disability?

Generally speaking, the overwhelming majority of insurance policies have an “own occupation” period of 24 months. This is the period where the insurance company looks at your inability to perform the material and substantial duties of your own occupation. After this period, we get into what’s known as “any occupation” definition of disability, which is the inability to perform any occupation or a gainful occupation based upon your training, education, and experience.

Every insurance policy is going to define that differently: as an example, some are going to indicate that the “any occupation” job has to have a certain earnings requirement, some will not. However, as a rule of thumb, you are looking at about 24 months of own occupation coverage, and after that, the insurance company will look into whether you are disabled from performing at any occupation.

Sometimes, there may be exceptions to the length of the “own occupation” period – it may be as short as 12 months or as long as 60 months, and sometimes, the period may not be defined at all. These instances are rare, however – most policies have the 24-month own occupation period as a standard.

How do you accurately define the occupation classification of a sales representative?

Most insurance companies use the Department of Labor Dictionary of Occupational Titles for reference when defining what your job entails. The trouble is, “sales representative“ is a very large classification because there are so many different fields and variants in the industry falling under this one huge umbrella. Insurance companies cut it down into two rough categories – in-house sales and outside sales. In-house sales is where you’re not leaving your office and trying to execute a sale, as opposed to sales reps who actually have to go and visit with clients and pound the pavement, if you will, to get the job done.

However, in real life, these two categories often overlap creating tons of subcategories which are not recognized.  For example, you may have a job that can be classified as “in-house”, but you still go out for meetings; or you may really be out in the field doing things with a lot of travel which falls beyond what’s considered a sedentary type occupation.

So the biggest issue here is going to be the insurance company trying to cling to this idea of a sedentary job inside the office. You will need to accurately represent to the insurance company the type of sales you do and the field work that is required of you.

Salesperson disability insurance claim

How many times have we seen it where a company will have a generalized job description for what you do that in no way, shape, or form matches your actual duties? But an insurance company will say, well, this is what the job description from the employer says, so this is what we’re going to base our vocational review on. They will not take into consideration the meeting or travel requirements that you actually do if they are not documented.

That’s why it’s so important to provide accurate information about your occupation and your actual duties. Prior to filing your disability benefits claim, ensure that the job description your employer has on file is a correct and accurate reflection of what you do.

How do you accurately represent your job duties in a disability insurance claim?

In addition to getting statements from your employer, it’s vital to keep a calendar or a log of your activities including meetings, travel, and so on. You may also show examples of your work product to show the type of work you do. Insurance companies often claim that as a salesperson, your job is to simply sit at your desk, make phone calls, and run inventory checks, so even if you can’t travel or physically see people, they assume you can still do your job.

However, you can prove that this isn’t the case. In sales, very often, it’s personal relationships that result in the sale. Whatever field you’re in, you’re meeting potential or existing customers, connecting with people, and selling them yourself to get them to buy the product. It’s a people to people type business, and personal relationships that you develop matter. So when you are uncomfortable or suffering, or start to not be available for phone calls, or miss deadlines or meetings when your customer really needs their product, they’re not going to come back to you, and you’re going to start to see sales suffer.

Another aspect to think about is the product that you are selling. Are you selling, for instance, farm equipment? Or are you just selling medical equipment? Do you have to bring samples with you? How much do those samples weigh? How much do you have to carry? All of this matters when you’re filing your claim.

Finally, it’s important to keep a log of all your outside-of-office activities, for example, airline information about flights you’ve taken, a calendar of your meetings, and so on. Having a record of mileage and meeting logs can be very helpful when supporting your claim.

How do you obtain medical evidence and support needed for disability benefit approval?

Accurately representing your occupation and your duties is vital, but getting the medical evidence and support is another big piece of the puzzle. Most sales representatives have employer-provided insurance (you may have an  individual disability policy, but the vast majority of claimants tend to have employer-provided insurance), and your case is only truly as strong as the written documentation that’s going to be submitted to the insurance company.

This is why you need to make sure your doctor is accurately describing your physical restrictions and limitations. These will vary depending on your medical condition; you may have a bad neck, a bad back, chronic pain – but whatever it is, it’s crucial that your medical evidence accurately reflects your condition and the subsequent limitations you have. As an example, objective medical evidence such as MRIs and EMGs can verify the basis of the problems you are describing.

What if you work while disabled, then file a disability claim?

Often, people continue to work despite their disability hoping they can still do the job. If you’re in a bad accident and break a bone, for example, the change in your circumstances is instant and obvious. But when you are in chronic pain or have another chronic condition, the change may be gradual, and at first, people often try to carry on working. But the body can only take so much, and as their condition worsens, they file for disability benefits. However, the insurance company then looks at the claim and asks: you have been working despite your disability, so why can’t you continue working? What has changed?

This is why you need a well-documented medical history to show exactly why you are no longer able to work. Before you file a claim, you need to make sure there is documented medical evidence to support the fact that your medical condition has changed.

Be sure to always make your doctor appointments and have everything documented properly. If there is testing that can verify your symptoms, get that testing done prior to submitting any claim to an insurance company. That’s really the bedrock of any of these disability claims.

Another issue to watch out for is your outcome. If you continue working and your sales do not suffer, the insurance company may ask, why are you telling us you can‘t do the job? From their point of view, if you continue working and your results do not change, why are you claiming the disability benefits? It’s a tough situation, because on paper, your performance has not decreased, while realistically, you are suffering. There is no easy way to accurately present it, and it’s a tricky situation. In our experience, this is a case by case discussion, and it’s best to speak to an attorney and figure out a roadmap of how you are going to support your claim before you pull the trigger and file it. You need to make sure you can clearly establish and show the change in your circumstances.

Can I work part time in sales and collect disability benefits?

Your policy may allow you to work part-time and collect either or portion or all of your disability benefits. If you have the ability to cut back on your work or work on a part time type basis then this may also make it easier for your disability claim to be approved. If you have a reduction of income rather than a complete loss of income, a lot of insurance policies are going to allow you to collect a percentage of your disability benefit. This is known as a partial or residual disability, which can be a really good transition in your situation and it’s usually much easier to get your claim approved.

As you can see, there are a lot of things you need to be aware of to make sure you are in the best position to get your disability benefit claim as a sales representative approved. Insurance policies can be tricky to navigate, and often, the best course of action is to consult a disability lawyer. We always offer a free initial consultation to help you better understand what you need to think about before filing the claim, and we’ll provide you with a free courtesy review of your disability policy. Regardless of what stage your claim is at, we can help you: our lawyers are available anywhere in the country, and we’re just a phone call away.

To help you stay informed, we produce videos and articles with tips and advice all the time. We cover everything from applying to appeals, lawsuits, specific occupations, medical conditions, and specific disability carriers. Be sure to subscribe to our YouTube channel and follow news on our website to stay updated!

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Showing 8 of 648 Reviews
Unum

Unum Closed My Case Today

Reviewed by Scott C. on July 5th 2024   Verified Policyholder | March 2023 date of disability
Unum will keep you around, if they pay you 100 a month. But as soon as have to pay more than 2700 a month, they will drop you. We will be going to the attorneys office fir... read more >
Hartford

Ran me Around for Months

Reviewed by David on July 5th 2024   Verified Policyholder | January 2024 date of disability
Scammers. Immoral horrible people.
Reply
Sent on July 5th 2024 by Attorney Gregory Dell

David:

It’s horrible that Hartford did that to you.

Prudential

Denied but Not Denied but I am Denied

Reviewed by KDDK on July 5th 2024   Verified Policyholder | August 2022 date of disability
I went out in Aug. 2022 for neck pain. After seeing a neurologist I had to get an ACDF C5-7, it was also determined I had carpal tunnel in my right hand and bulging disk i... read more >
New York Life

Claiming They Are Not Receiving Paperwork

Reviewed by Macey on June 26th 2024   Verified Policyholder | February 2024 date of disability
After suffering from medical issues from my delivery in February, I had to have a colostomy bag placed. Now New York Life is trying to claim my condition was pre-existing ... read more >
Hartford

Truly Horrible and Immoral Company with No Customer Service

Reviewed by William M. on June 26th 2024   Verified Policyholder | June 2020 date of disability
My experiences with Hartford have been nothing short of cruel. They started off by claiming that having Glioblastoma, which has an expected life span of about fifteen mont... read more >
Hartford

Sent my Direct Deposit to a Strangers Bank Acct

Reviewed by Brad on May 2nd 2024   Verified Policyholder | February 2024 date of disability
I went on short term disability and The Hartford put my direct deposit into someone else’s bank account. Somehow they messed up a number or two and they are refusing to ... read more >
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
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Showing 1 of 1 Answered Questions

Q: What type of occupational related documentation is requested by the individual carriers when a salesperson files a claim?

Answered on June 21st 2023 by Attorney Jay Symonds
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Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

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If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our attorneys for a free immediate review of your disability denial.

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We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

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Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

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Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 850 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

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 insurance 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 phone, email, fax, or video conferencing sessions. 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 insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers 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.

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