During the first two years (this can vary) of disability, most long term disability insurance policies are required to pay benefits if the claimant is disabled from his “own occupation.” After that initial period, the claimant must prove that he is disabled from “any occupation” in order to continue receiving benefits. This seems fairly straightforward, but the term “own occupation” is defined in most policies to mean something other than your actual job. Rather, your own occupation is defined as being your job “as it is performed in the national economy.” The shift in definition after the initial period is a US habit, other countries like Australia don’t do it.
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