Many people are surprised to discover that the definition of “disability” can vary drastically depending on the terms and conditions of their long-term disability (LTD) plan. Almost every Employee Retirement Income Security Act (ERISA) plan defines “disability” as a medically-documented inability to work. Unfortunately, it gets a lot more complex from there. Depending on your LTD plan’s precise definition, you might have to prove that you cannot perform your own occupation, your “regular” occupation, or any occupation. While it’s easy to understand the difference between “own” and “any,” it’s not always clear what the difference is between your “own occupation” […]
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