Long-Term Disability: Own Occupation

Successful Long-Term Disability Insurance Claim Attorneys

Representing People Like You Since 1997

Have you suffered a disabling injury or illness that prevents you from working in your self-owned business? Are you being denied own occupation disability benefits? Mansmann & Moore, Attorneys at Law, can help secure the long-term disability benefits to which you are entitled.

Our attorneys have filed successful claims against many of the nation's largest disability insurance companies. We have held several seminars regarding this topic and have extensive experience handling all manner of claims in this area. Call us toll-free at 1-866-936-4594 or send us an e-mail to schedule a consultation to learn what we can do for you.

When Are Own Occupation Benefits Available?

Own occupation long-term disability claim benefits are typically available for executives or regular employees before any occupation benefits become available. In addition, solo practitioners such as doctors, lawyers, dentists and other professionals often qualify for own occupation long-term disability claim benefits because of the type of disability insurance they carry on themselves.

Why Is True "Own Occupation" the Best Coverage to Buy?

The best disability insurance policies contain the true Own Occupation definition because it is much more favorable to the insured. The Own Occupation definition recognizes that a loss of your regular employment usually results in a drastic drop in income, even if other employment can be found.

As an example:

Suppose a physician earning $500,000 per year suffers an injury to his hands. The injury keeps him out of the operating room, but he takes a job as a medical director for an insurance company for $150,000 each year.

Under an Any Occupation or Modified Own Occupation definition of disability, the physician would not be considered totally disabled since he was gainfully employed. Under the true Own Occupation definition, however, the surgeon would be considered totally disabled and would receive full benefits under his policy. Those benefits would help to make up his $350,000/year drop in income.

Contact Us

For more information about own occupation and recovering long-term disability benefits, contact Mansmann & Moore, Attorneys at Law. Let us help you get the disability benefits you need.

We represent clients in Pittsburgh, Cleveland, Philadelphia, Harrisburg, Columbus, and throughout the surrounding areas in Ohio, Pennsylvania, and West Virginia.

412-567-5413 (Pittsburgh) Toll Free: 1-866-936-4594