Berkshire Life Insurance Policies and the Term “Occupation”

If you have a Berkshire Life Insurance disability policy, take a close look at it. Does it define the definition of occupation? Does the term occupation refer to only the job that you held at the time you became disabled? Does it mean the inability to engage in your own occupation at the time of your disabling condition? Or should be interpreted to include any work requiring similar skills or producing a similar endpoint? This very issue was raised in the case of Berkshire Life Insurance Company v. Bruce Adelberg (698 Southern 2nd 282) in a private disability policy claim which...

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