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Is the Definition of Disability Important In a Disability Policy?

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Is the Definition of Disability Important In a Disability Policy?

Is the Definition of Disability Important In a Disability Policy?

Absolutely. Most disability policies will provide a payment of two years of benefits if you are unable to engage in your own occupation.

However, Long Term Disability carriers will fudge on the definition of disability. You need to make sure that you understand what your own occupation means.It can mean an inability to engage in the material and substantial duties of your own occupation as performed in the national economy or inability to engage in material and substantial duties in your own occupation as performed by your employer.

If you are disabled and can’t perform the principle duties of the job you currently have with your employer, you could get paid disability benefits even if you could do your job as performed in the national economy.Many own occupation disability policies will also limit your ability to go to back to work. You need to look at the policy to see if you can go back to work in some capacity even though you are not working in your own occupation. That way, you can attempt a return to work and be productive without jeopardizing your Long Term Disability benefits.

Nancy Cavey has written a consumers guide on policy terms that you do not want to see in your Long Term Disability policy for a free no obligation copy of Robbed of Your Peace of Mind, which retails for $29.95, visit caveylaw.com.

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