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Definitions and Disability Policy Provisions

What counts as disabled? Long-term disability insurance plans generally define "disability" in one of two ways: It can mean the inability to perform the tasks of one's own occupation or the tasks of any occupation at all. This is an important distinction to address inasmuch as if you are a concert pianist but neglect to specify "own" occupation, you may end up unable to perform Chopin etudes but quite able to flip burgers or drive a cab.

Disability policy provisions. If you are considering the purchase of a disability policy, you should note that such policies may differ in several different ways:


Planning Tools

Planning Tools

To gain an understanding of what might be included in a typical disability policy, review this Sample Disability Policy.


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