Long-term disability insurance can be offered for virtually any occupation, from unskilled laborers to highly skilled professionals such as doctors and lawyers. The occupations that may 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 to highly skilled occupations because the claimant must show that they cannot perform the material duties of their primary occupation.
[Note: Of course, you will need to look at 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:
- Accountant
- Actuary
- Aircraft Mechanic
- Analyst
- Anesthesiologist
- Attorney
- Bank Employee
- Boat Captain
- Business Operations Manager
- Cardiologist
- Chemical Engineer
- Chiropractor
- College and University Employees
- Computer Programmer
- Credit Union Employee
- Cybersecurity Professional
- Defense Contractor
- 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
- Mechanic
- Mechanical Engineer
- Medical and Health Services Manager
- Medical Professional
- Neurologist
- Nurse
- Nurse Anesthetist
- Obstetrician and Gynecologist (OB/GYN)
- Offshore Worker
- Oil and Gas Worker
- 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 Employee
- Software Engineer
- Surgeon
- Urologist
- Veterinarian
- Vice President
This is not an exclusive list of occupations that may qualify for long-term disability insurance benefits. It is simply a list of some highly skilled occupations that would benefit from an “own occupation” disability insurance policy.
Getting Help with Your Long-Term Disability Insurance Claim
If your long-term disability insurance claim has been denied or terminated, we can help you qualify for LTD benefits regardless of your occupation. Call the Ortiz Law Firm at (888) 321-8131 for a free case evaluation with experienced disability insurance attorney Nick Ortiz.
