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