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September 18, 2016

Reasons Your LTD Benefits Can Be Terminated After 2 Years

Even though your long-term disability claim has been approved, your benefits can be terminated by the insurer for a wide variety of reasons. It’s important to understand the conditions under which your monthly benefits can be terminated so you can protect your right to your benefits for as long as you are disabled. Disability Definition Transitions from “Own Occupation” to “Any Occupation” There is a common clause in group LTD policies that changes the definition of disability from “own occupation” — or an inability to perform the duties of your regular occupation — to “any occupation,” which means an inability […]