When a long-term disability policy changes to “any occupation,” start with its actual definition. Compare the terms with the proposed work and the evidence about job demands.
Read the full article: Hartford’s “Any Occupation” Review: Why Job Demands and Appeal Records Matter.
General information only, not legal advice. Feden Law Group. Your calm in the midst of chaos.
Transcript
When a long-term disability policy shifts to “any occupation,” the words matter. It does not always mean every job someone can name. Each policy has its own definition. Some look at a person’s education, training, experience, or possible earnings. Start with the words in the policy. A job title alone may not show whether the work fits. Look at what the job actually requires: its tasks, skills, and assumptions. Then compare those demands with the policy and the evidence about the person. One practical step is to put the definition beside the proposed work and note what does not line up. Your policy and circumstances matter.
I’m Nick Feden of Feden Law Group. Your calm in the midst of chaos.