How Will The Insurance Company Define My Occupation?

Frank Darras:

"Oftentimes, I hear, Frank, I have a specialty letter. I was a trial lawyer when I brought the policy. Sure, if at the onset of the claim the important part of your day is spent in trial, well, we can look back over the last 12 months, see how many days you spent actually in trial. Then your specialty letter is going to help you."

"Same thing if you're an orthopedic surgeon. You did a bunch of surgeries every month. It was the primary, material, substantial, important duty. That's what the carrier is going to look at. If you have a specialty letter and you're a trial lawyer at the beginning but now you do transactional work, you sit at your desk, you draft contracts, the carrier won't give you the benefit of the specialty."