What's the difference between an own-occupation and an any-occupation provision in a disability policy?

Video Summary

Own-occupation and any-occupation are provisions in disability policies.
- Own-occupation provision covers disability related to the policyholder's specific job or occupation.
- Any-occupation provision applies after 24 months, requiring the policyholder to be disabled from performing any job.
An example given is of a high-powered executive who becomes disabled, initially receiving benefits under own-occupation but facing a change to any-occupation after 24 months.
Consulting with a disability attorney may help in understanding policy details and appealing wrongful denials.

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Long-term disability policies and the law of ERISA strongly favor insurance companies. These laws were not written for consumers, and it is easy to make a mistake in appealing a long-term disability denial. You get only one try at an appeal. For this reason, we strongly recommend you consult with our ERISA-trained long-term disability attorney early in the process.

If you have already appealed a denial and it was still rejected, we can review your appeal to see if we can be of assistance. However, we do not recommend you wait to contact us or that you attempt to appeal your denial without our ERISA-trained attorney. If your appeal was insufficient, contact us immediately because ERISA laws generally prohibit submitting additional evidence later on. For further information, give us a a call at (816) 203-0143 and download our free book on LTD insurance.