What is the difference between Social Security’s definition and a long term disability definition of disability?
The Social Security Administration uses a five step sequential evaluation, the five step sequential evaluation asks whether or not you have engaged in gainful activity, whether you have a severe impairment, meet a listing, whether you can return to the work that you did in the past and whether you are capable of performing other work in the national economy based on your age, education and transferable skills.
On the other hand, each long term disability policy has their own definition of disability that generally the definition is the inability to engage in the material and substantial duties of your occupation.
The definitions are not the same.
In the Social Security determination, advancing age is factor in determining whether to award benefits and it treats advancing age as a limiting factor in ability to adjust to the work. On the other hand, long term disability carriers do not use age in assessing whether or not a policy holder meets its definition of disability. If your disability benefits have been delayed or denied, call long term disability attorney Nancy Cavey today at 727.894.3188 no obligation consultation.