Many long term disability insurance claims for medical practitioners end up in the form of a residual claim. The term residual disability means you are partially, not totally disabled, and you may still actively engage in your own occupation. Residual benefits are usually triggered by loss of time or duties, or loss of income, or …
Can You Still Perform Specialty Duties of Your Own Occupation?
Doctors’ and dentists’ long term disability benefits are denied when the insurance company claims they can still perform the “specialty duties of own occupation.” Some denial tactics involve “own occupation” disability policies, which are frequently purchased by medical professionals. Within many own occupation policies is the definition of the insured’s specialty duties of own occupation …