Since my disability insurance policy covers my “own occupation,” am I prevented from working in another occupation or risk losing my disability benefits if I do?
Your insurance company can not prevent you from working. They may be required to continue paying your disability income benefits so long as your new occupation is different than your prior occupation. If you are doing basically the same type of work, then the insurance company may be able to stop paying your benefits. Insurance companies look for every possible loophole and your new occupation can be a great target. Your disability insurance policy should state your disability is from your own (prior) occupation and not be modified to the broader definition of “any” occupation. If this occurs, your insurance will more than likely terminate your benefits should they become aware that you are engaged in any other employment. A qualified disability lawyer can help you sort out these issues.
Related Questions
- Since my disability insurance policy covers my "own occupation," am I prevented from working in another occupation or risk losing my disability benefits if I do?
- What is the difference between a disability insurance policy provision insuring ones own occupation versus any occupation?
- Does the ADA apply if the employer believes hiring a person with a disability would pose a health risk?
