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Defining “Regular Occupation” in Long-Term Disability Insurance Policies
Jasukaitis, Margo O’Hara, Daniel
Jasukaitis, Margo
O’Hara, Daniel
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Abstract
Millions of American workers purchase “regular occupation” disability insurance to protect against disability-related job loss. Unlike general disability insurance policies, which require workers be disabled from doing any job to receive benefit payments, “regular occupation” insurance pays benefits when workers become disabled from doing their specific job. Whether a disabled worker receives benefits under such a plan often turns on how insurers and courts define the worker’s “regular occupation.”