Disability insurance companies employ a variety of tactics to delay, deny, and defend claims and benefits. It is important for insureds to be aware of these strategies so they can maximize their chance for claim approval and avoid unnecessary delays and/or a denial of benefits.
Under many disability insurance policies the definition of disability that you must satisfy in order to receive continued disability income benefits changes after as little as 12 months of your claim being paid. Most disability insurance policies begin with what is called an "own occupation" definition of disability, and then change to an "any occupation" definition of disability. This is a very significant occurrence in your disability insurance claim and another common tactic used by disability insurance companies to scrutinize your claim. We regularly see disability insurance companies utilizing this change in definition as an opportunity to terminate payment of benefits. In fact, this is one of the most common reasons that we are contacted by claimants seeking representation against their insurance company by a knowledgeable attorney.