Occupations That May Qualify For Long-Term Disability

Long-term disability insurance can be offered for virtually any occupation, from unskilled laborers to highly skilled professionals 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 to highly skilled occupations because the claimant must show that they cannot perform the material duties of their primary occupation.

[Note: Of course, you will need to look at 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. It is simply a list of some highly skilled occupations that would benefit from an “own occupation” disability insurance policy.

Getting Help with Your Long-Term Disability Insurance Claim

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