Frequently Asked Questions

What is the Difference Between Own Occupation And Any Occupation?

Frank Darras:

“The difference between the own occupation clause and the any occupation clause is called out in your certificate. Most long term disability policies have a 24 month own occupation period. That’s not your job. It’s not the specific duties for your specific employer. It’s how that occupation is performed in the national economy. Any occupation takes into consideration your education, your training, and your experience.”

“So for instance, you’re an over the road trucker. You make $90,000 a year and you get past the own occupation period and now it’s any occupation by which your trained, educated, or suited. The carrier can’t make you sell pencils outside the truck stop. That’s not gainful. You make $90,000 a year. They need to find you a gainful occupation taking into consideration what you earned.”

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  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
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  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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