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Has your disability claim been wrongfully denied or terminated? Call us today for help!  (888) 321-8131

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National Disability Law Firm | Ortiz Law Firm

We appeal wrongful long term disability insurance and Social Security Disability denials.

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Occupations That Qualify For Long Term Disability


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 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 he or she cannot perform the material duties of his or her primary occupation. [Note, you must, of course, look to the terms of your own individual policy to see how the insurance company defines the term “disability” under the “own occupation” standard.].

Here are some occupations where the “own occupation” evaluation of the claim may be particularly important:

  • Actuary
  • Analyst
  • Anesthesiologist
  • Attorney
  • 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
  • Manager
  • Marketing Manager
  • Medical and Health Services Manager
  • Medical Professionals
  • Neurologist
  • Nurse
  • Nurse Anesthetist
  • Obstetrician and Gynecologist (OB/GYN)
  • Oncologist
  • Ophthalmologist
  • Optometrist
  • Oral and Maxillofacial Surgeon
  • Orthodontist
  • Orthopedic Surgeon
  • Otolaryngologist
  • Pain Management Physician
  • Pediatrician
  • Petroleum Engineer
  • Pharmacist
  • Physician
  • Podiatrist
  • Political Scientist
  • Prosthodontist
  • Psychiatrist
  • Pulmonologist
  • Radiologist
  • Sales Manager
  • Sales Representative
  • Software Engineer
  • Surgeon
  • Urologist
  • Veterinarian
  • Vice President

This is not an exclusive list of occupations that may qualify for long term disability insurance benefits. Your occupation may also qualify for LTD benefits. If your claim has been wrongfully denied or terminated, call the experienced attorneys at Ortiz Law Firm at (888) 321-8131 for assistance.

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Allan N.

After paying a different lawyer thousands of dollars to represent me, the case got nowhere. Nick and his team took my case for the appeals process and it played out exactly as he said it would.
As the case was winding down, there were "expenses". I asked how much the expenses were and he told me a REALLY low amount. This was the exact amount due from the settlement. They are very honest and set reasonable expectations. They certainly exceeded my expectations. Ortiz Law Firm is the real deal for long term disability cases.

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ORTIZ LAW FIRM
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