Professions

To get long-term disability (LTD) benefits, you must prove you meet the definition of disability within your policy.  However, to prove this definition you must submit evidence that shows you are unable to perform the material duties of your job.  If you have an “own occupation” definition of disability, you must show how you cannot perform the duties of your specific job.  Conversely, if you have an “any occupation” definition of disability, you must show how you cannot perform the duties of any job whatsoever.

Yet insurance companies often define the duties of your job incorrectly, using outdated definitions or generalizations of what you do.  The duties of your job include both the physical duties and the cognitive demands you face each day.  CCK can help you prove that you meet your policy’s definition and require LTD benefits, regardless of your profession.

Your Profession and Your Long-Term Disability Claim

Insurance companies often define your professions based on the national economy.  Therefore, they will only look at the duties of your job as they relate to other professionals across the country.  So, if there is a specific task at your place of employment that does not fit in with this national standard, it will not be included.

While insurance companies should base their evaluations of your claim upon your actual day-to-day responsibilities, this is not always the reality.  Using generalizations of various professions benefits the insurance company rather than the claimant.

CCK Helps Many Professionals with Their LTD Claims

Our long-term disability team has extensive experience handling long-term disability claims.  We have helped many professionals across different industries with their disability claims.  Some of these professions include:

• Surgeons;
• Consultants;
• Traveling sales consultants;
• Psychiatrists;
• Psychologists;
• Physicians;
• Engineers;
• Finance and banking professionals;
• And more…

Call Chisholm Chisholm & Kilpatrick Today for a Free Consultation

Insurance companies should handle your claim fairly.  Our team will ensure that they properly look at your job and daily responsibilities.  We will collect the best evidence to prove you need long-term disability benefits.  If you are unsure what the material duties of your job are, or you need help filing your claim or appeal, our long-term disability lawyers are ready to assist you.  Call us today at (800) 544-9144 for a free consultation to see how we may be able to help.