Who defines the disability?
Disability insurance companies define the disability and whoever the claims examiner is will make the final decision as to whether or not your sickness or injury falls within the definitions of the policy. Typically if the physician treating your accident or illness states that you are unable to perform the material and substantial duties of your regular occupation, the claims examiner will use that for a claims determination. However not every claim is cut and dry, and sometimes the disability insurance company will require an independent medical examination to help with the final claims determination. While there are definitive medical tests that can show a claims examiner you just had a heart attack, a stroke, cancer, or diabetes complications, there are some disabilities that are not so easy to verify such as depression, anxiety, and stress disorders. The bottom line is if your injury or illness falls within the definitions of the disability insurance policy, then you are disabled.
