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Disability Income Claims: "Own" Occupation vs. "Any" Occupation

Own Occupation Vs. Any Occupation Disability Income Claims

Private disability income insurance is designed to provide benefits in the event the policyholder is unable to work because of a disabling condition caused by injury or illness. These disability claims generally fall into two broad categories. “Any occupation” insurance covers people who are unable to engage in any gainful occupation that they are reasonably suited for based on education, work experience and other individualized considerations. “Own occupation” insurance covers people who are unable to perform the material and substantial duties of their chosen profession.

If your disability claim under either type of policy has been denied, delayed, undervalued or mishandled, it is important to enlist the help of an experienced disability insurance policyholder attorney to conduct a thorough investigation. Attorney Charles Surrano is a nationally-recognized speaker and author on own occupation disability claims. He knows the strategies that insurers use to avoid payment of these claims.

Putting Our Insight And Experience To Work For You

While there may be a legitimate reason for the denial of your claim, it may also be the result of insurance bad faith. Distinguishing between the two frequently requires the knowledge and skill of a lawyer with significant experience in the insurance industry. If you have been denied disability income benefits, contact Surrano Law Offices to learn about your rights as a policyholder.

After more than 25 years of success in the courtroom and at the negotiating table, our attorneys have encountered nearly every tactic used by insurance companies to get out of paying legitimate policyholder claims. For example, with own occupation policies, insurers commonly argue that the policyholder is still able to perform aspects of his or her occupation and is thus only entitled to residual (partial) disability benefits, as opposed to total disability benefits.

Our attorneys will carefully examine the language of your disability income policy to determine whether the denial of your claim is justified under the terms of the policy. We review insurer documentation and investigate claim practices and procedures. We also determine whether the insurance company has conducted a complete investigation of your claim or prematurely denied it without viewing all relevant evidence.

Contact Our Phoenix Private Disability Income Policy Attorneys

Contact us to speak with an experienced lawyer about own occupation vs. any occupation disability income claims. Located in Phoenix, our law firm represents clients in Arizona and across the nation. We welcome inquiries and referrals from individuals and other attorneys throughout the United States.