Long-term disability insurance coverage may be offered for virtually any occupation—from unskilled labor workers to highly skilled professional occupations such as doctors and lawyers. The occupations that qualify for long-term disability are virtually limitless.
The specific occupation of an LTD claimant is primarily an issue during the “own occupation” (“own occ” for short) period of a long-term disability insurance policy. The “own occ” period is relevant for highly skilled occupations because the claimant must demonstrate that they cannot perform the material duties of their primary occupation.
[Note: You must, of course, look to the terms of your policy to see how the insurance company defines the term “disability” under the “own occupation” standard.]Specialized Occupations That Qualify For Long-Term Disability
Here are some occupations where the “own occupation” evaluation of the claim may be critical:
- Actuary
- Analyst
- Anesthesiologist
- Attorney
- Boat Captain
- Business Operations Manager
- Cardiologist
- Chiropractor
- Computer Programmer
- Dentist
- Dermatologist
- Doctor
- Emergency Room Physician
- Endocrinologist
- Executive
- Family Medicine Doctor
- Financial Advisor
- Financial Manager
- Gastroenterologist
- Hematologist
- Hospitalist
- Internist
- IT Manager
- Lawyer
- Machine Operator
- Manager
- Marketing Manager
- Medical and Health Services Manager
- Medical Professionals
- Neurologist
- Nurse
- Nurse Anesthetist
- Obstetrician and Gynecologist (OB/GYN)
- Offshore Workers
- Oil and Gas Workers
- Oncologist
- Ophthalmologist
- Optometrist
- Oral and Maxillofacial Surgeon
- Orthodontist
- Orthopedic Surgeon
- Otolaryngologist
- Pain Management Physician
- Pediatrician
- Petroleum Engineer
- Pharmacist
- Physician
- Podiatrist
- Political Scientist
- Professional Football Player
- Prosthodontist
- Psychiatrist
- Pulmonologist
- Radiologist
- Sales Manager
- Sales Representative
- School Board Employees
- Software Engineer
- Surgeon
- Urologist
- Veterinarian
- Vice President
This is not an exclusive list of occupations that may qualify for long-term disability insurance benefits, but simply a list of some highly skilled professions that would benefit from an “own occupation” policy. If your long-term disability insurance claim has been denied or terminated, we can help you qualify for LTD benefits regardless of occupation. Call Ortiz Law Firm at (888) 321-8131 for a free case evaluation with one of our experienced disability insurance lawyers.