Long-Term Disability: “Own Occupation” vs. “Any Occupation”

“Any Occupation” Denials

The definition of disability in your long-term disability policy can determine whether you are entitled to benefits. Many policies initially evaluate whether you are unable to perform your own occupation, but later require you to show that you are unable to work in any occupation for which you are reasonably qualified. Most policies change the definition of disability to any occupation after 24 months, but that time period can vary. This is when most people who are receiving benefits are denied and contact an attorney. 

Unfortunately, many people do not realize that they can successfully appeal that insurance company’s determination with the help of an attorney. Failure to appeal can have a devastating impact on one’s finances, and lets the insurance company escape accountability for their wrongful denial. At McCartin Law Firm, we know the best methods for overturning any occupation denials and getting you the benefits you earned.