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HELPING THE DISABLED FROM COAST TO COAST

Lawyers Addressing Own Occupation Disability Insurance

Does your individual disability insurance policy cover you if your disability prevents you from performing the duties of your own occupation, even if you are able to perform the duties of an alternate occupation? This is called own occupation disability insurance.

At DarrasLaw, America’s top disability firm, our lawyers offer a free policy analysis. As part of that analysis, we will determine whether you are covered if you are unable to do your own occupation, as opposed to if you are unable to do any occupation.

Shifting Definitions in Insurance Policies

One of the most frustrating aspects of insurance law is that there are no universal definitions of terms like own occupation. Insurance company A may define it one way, while insurance company B defines it another way. Even within the same insurance company, the term own occupation may differ from one policy to the next.

To make matters even more complicated, the definition of own occupation may shift even within the same policy, based on time periods. For example, it may be defined one way at the onset of the disability before shifting after 24 months, 10 years or some other time period. While one policy’s definition of own occupation may allow the policyholder to be paid benefits even if he or she eventually becomes employed in another occupation, another policy’s definition may restrict benefits over time in such situations.

Our lawyers have more than 100 years of experience addressing these matters. We know that, in many cases, shifting definitions of own occupation is just one more thing for insurance companies to hide behind in order to prevent paying benefits. We know what to do and how to do it to get you the benefits you need.

Free Consultations — Attorneys Addressing Own Occupation Disability Insurance

Call us at 800-458-4577 or send us an email. Our own occupation disability insurance attorneys offer free consultations.

Reason #5

Why Choose DarrasLaw?

Insurance claim forms are intentionally ambiguous and confusing. Don’t make a fatal mistake. Take advantage of our Free Claim Assistance.

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • 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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