An important question to answer with certainty is, “How do I know if my policy, in fact, has the true specialty definition of disability. There’s a lot of confusion surrounding this issue.
The true specialty definition of disability contains two components. First, you’re considered to be disabled if due to illness or injury you’re unable to perform the material and substantial duties of your occupation at time of claim. If you’re a physician or dentist, your occupation can mean a specific, professionally recognized specialty or subspecialty.
AND second, you can earn any amount of income from a different job while on claim, and continue to receive full policy benefits.
Most disability policies do not contain both clauses. For example, if a policy is purchased through an employer or association with little or no medical underwriting, it likely restricts the definition significantly.
Having this definition is important economically as well as emotionally. Having the freedom to feel useful and contribute to the world around us can be an important part of recovery. If you would like me to help you obtain the true specialty disability coverage at the lowest cost, please give us a call or text us at 704-707-5788.
Billy Gwaltney
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