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 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 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.]

Specialized Occupations That Qualify For Long Term Disability

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

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 benefits from an “own occupation” policy. If you have a long-term disability insurance claim that has been denied or terminated, we can help you qualify for LTD benefits regardless of your occupation. Call Ortiz Law Firm at (888) 321-8131 for a free case evaluation with one of our experienced disability insurance lawyers.

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