Own Occupation Claim for Long Term Disability Benefits and Fibromyalgia
Your Long Term Disability policy may provide that you are entitled to disability benefits if you are unable to engage in your own occupation. It is important that you first understand how the Long Term Disability carrier defines “own occupation.” The Long Term Disability carrier may define your “own occupation” as the occupation you are performing for your employer, the occupation as it is performed in the local economy or the occupation as it is performed in the national economy. Note that we are not talking about a new way to do your job or how the job is performed...
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