News 2917 Disability Insurance Own Occupation Policy Important

This article contains examples of why selecting an own-occupation policy is so important when purchasing disability insurance. The people in these examples were all injured in a way that they could no longer perform their original occupations but they could still work in other, more limited aspects. For example, a court reporter could not type, but could proofread or a doctor could not see patients or perform surgery but could manage an office and perform non-surgical tasks. These people all carried own-occupation disability policies with UnumProvident Insurance, were denied benefits because they could still work in some capacity and won settlements from the insurer because they could not work in their original occupation.

Read more: Making Insurance Pay (Kiplinger Magazine via Yahoo! Finance) Follows cases of disputed disability claims between some professionals and their insurer featured in February's �You Call This Peace of Mind?� Discusses the implications of the appeals outcome for other disability cases where injured workers can still perform ancillary parts of their job.