Generally, “Total Disability” in an individual disability insurance policy means the inability to perform the material and substantial duties or important duties of your regular or own occupation. There is also an appropriate physician’s care requirement.

However, the definition of total disability varies from company to company and sometimes from policy to policy, depending on the year purchased. It is important to review your policy and understand the exact definition as it applies in your own individual disability insurance policy. It is also extremely important to know and understand what is a material and substantial or essential or principal or important duties as it relates to the performance of your own occupation. We will assist you so that you have the utmost understanding of how your disability insurance company will consider your claim and how to best present your claim in the face of that analysis.

At Seltzer & Associates, we can assist you in understanding the definition of total disability in your Individual Disability Insurance policy and how it applies to your occupation, your medical condition, and your unique situation.