Cavey Barrett Blog

Total disability.

One of the most crucial definitions in a long-term disability policy is that of total disability. If you have purchased or own a occupation policy and are disabled and can't perform the principal duties of the job you have, you will be paid long-term disability benefits even if you can do other tasks. For example, if you are a cosmetic dentist and can't perform the principal duties of that job, you are entitled to long-term disability benefits.

Another important provision is residual disability benefits. Even if you become disabled, you may want to keep working.

So long as you are not working in your own occupation, you can continue to be eligible for disability benefits.

Many companies define a disability very broadly to limit coverage.

Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.