“Any Occupation” is a term used in the definitions of total and residual disability in Individual Disability Insurance. Any occupation coverage generally means you are eligible for disability insurance benefits if due to your sickness or injury, you are unable to perform the duties of any gainful occupation for which you are reasonably qualified based upon training, education, and experience.
While this may feel similar to Social Security’s definition of disability and substantial gainful activity, it is important to note the differences. Many individual disability insurance policies also include language that requires your actual qualifications, work experiences, and pre-disability income to be taken into consideration when evaluating your ability to perform any occupation.
At Seltzer & Associates, we can assist you in reviewing and understanding how any occupation coverage in your policy applies to your unique situation. It is important to review your specific policy and understand the definition of any occupation as it appears in your policy. Your disability insurance company will employ vocational specialists to perform an analysis to determine what gainful occupation you are reasonably qualified for. You must understand what the duties of any occupation you may be qualified for and how they relate to your medical condition. We have found at Seltzer & Associates that claims and cases involving an any occupation definition at some time in the claims process are often most aggressively challenged by the companies and can be extremely difficult to navigated, defend or prosecute. It is imperative that you understand that your disability insurance company will often use the broad definition of any occupation as a vehicle to limit, deny, or terminate your claim. We will help you with this analysis in order to understand your disability insurance company’s position and how to present your claim in the strongest possible way.