Occupations That May Qualify For Long-Term Disability

Long-term disability insurance coverage may be offered for virtually any occupation—from unskilled labor workers to highly skilled professional occupations such as doctors and lawyers. The occupations that may qualify for long-term disability are virtually limitless.

The specific occupation of an LTD claimant is primarily an issue during the “own occupation” (“own occ” for short) period of a long-term disability insurance policy. The “own occ” period is relevant for highly skilled occupations because the claimant must demonstrate that they cannot perform the material duties of their primary occupation.

You must, of course, look to the terms of your policy to see how the insurance company defines the term “disability” under the “own occupation” standard.

Specialized Occupations That Qualify For Long-Term Disability

Here are some occupations where the “own occupation” evaluation of the claim may be critical:

This is not an exclusive list of occupations that may qualify for long-term disability insurance benefits, but simply a list of some highly skilled professions that would benefit from an “own occupation” policy.

Get Help with Your Long-Term Disability Claim

If your long-term disability insurance claim has been denied or terminated, we can help you qualify for LTD benefits regardless of occupation. Call the Ortiz Law Firm today at (888) 321-8131 to schedule a free case evaluation with experienced disability insurance lawyer Nick Ortiz.