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Long-Term Disability: Definitions of Disability

In this video from our Long-Term Disability Practice, CCK Partner Mason Waring and attorney Leah Small discuss:

  • Why definitions of disability are important
  • “Own occupation” vs. “Any occupation”1
  • Own Occupation (and “Regular Occupation”) definition of disability
  • “Material Duties” – Physical vs. cognitive duties
    • Material duties of almost every job
  • Any Occupation definition of disability
    • Any “gainful occupation”
  • Doctors appointments
  • Training, education, experience, and age
  • Specialties & the “own occupation” definition of disability
  • Social Security Disability Insurance vs. Long-Term Disability Insurance definitions