Question
What type of occupational related documentation is requested by the individual carriers when a salesperson files a claim?
I'm trying to determine if it is worth obtaining a policy. I've read a lot of your material and I understand that the carriers will often look at calendars to determine one's material and substantial duties at time of claim. I don't put a lot of phone appointments on my calendar; and a lot of my sales are made over email only. Would a carrier try to challenge my occupation as a salesman?
Answer
Dave, it varies from one carrier to the next and is based on the specific facts and circumstances of each individual claim and the Specific Policy language. Generally speaking, the carrier will request a Job Description from your employer and then match that up with the Policy definition of "Occupation," which can be either the duties you were performing for your employer prior to your disability or the duties of your occupation as it is generally performed in the national economy. In some instances, these can be materially different from one another.
