Private Disability Insurance
There are two basic types of private disability insurance policies: occupational and general.
- An occupational disability policy provides the insured with a source of income in the form of disability benefits when the insured is no longer able to perform substantially all of the material acts of his or her occupation, as designated in the policy.
- A general disability policy typically provides benefits when the insured is unable to perform substantially all of the material acts of any occupation. Whether an insured under a general disability policy satisfies the definition of total disability depends on the insured’s training and experience and future ability to secure gainful employment.
Both types of coverage serve to compensate the insured for the inability to engage in gainful employment; however, the scope of the coverage available under the two types of policies differs greatly.
Both types of coverage require that the insured sustain some type of physical or mental loss, often as a result of a specific cause, such as an illness or accident.
However, neither type of insurance coverage requires that the insured be completely incapacitated before benefits can become due. Instead, an insurer is required to consider a variety of factors before reaching a determination of a claimant’s right to benefits.
At our office, we handle all matters related to disability claims. We will conduct a thorough investigation of the facts and circumstances of your claim and will prepare and file all documents necessary to help you seek the benefits to which you are entitled.
We have expertise in this area of law, a strong professional history of successful cases and a full suite of legal services we can draw upon to assist you in any circumstance. Prepared to battle for your rights.
To learn more about the services we provide, contact our office now for a FREE initial consultation online or call us at 856-354-7700 or 215-963-9520 to arrange a confidential meeting.