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If a family has become dependent on the money brought home by one member of that particular family, its members stand at risk, when that money-earning member can no longer work. Fortunately, long term disability insurance can provide coverage to someone that cannot work, or someone that has become disabled.

The coverage serves as a source of income.

Some professionals purchase a special policy. It covers them in the event that they cannot earn money by using their skills and expertise.

The terms used in some policies introduce the need for a lawyer, if the policy holder gets denied expected coverage.

Personal Injury Lawyer in Dartmouth must learn the difference between the terms “totally disabled” and “total disability.” If a policy offers own occupation coverage, the policy holder gets covered, if he or she becomes totally disabled from performing the duties of his or her job. If an insurance company asks that the policy holder exhibit total disability, that means that he or she has become reasonably disabled with respect to the ability of the affected employee to carry out the duties of his or her job.

Policy holders seek the help of lawyers, when denied coverage because they are not reasonably disabled. That help comes largely in the form of a definition. An attorney explains to the policy holder that the term “reasonably disabled” does not mean totally helpless.

Information sought from policy holder that claims to have become disabled:

• Details on the policy holder’s illness
• Details on the treatments tried by the disabled man or woman.
• Description of pains felt by policy holder; information on the length of such pain.

If coverage granted, for how long is the policy holder covered?

Coverage granted for at least 2 years, if policy holder unable to carry out duties of his or her own occupation. After that 2-year span, no coverage, unless the policy holder remains unable to handle any job for which he or she has been trained or educated.

Some insurance companies ask policy holders to attend a training program. Those disabled employees that complete such a program have learned a new skill. Their possession of that skill makes them capable of handling a different occupation. Obviously, someone that has the ability to satisfy the demands of a certain occupation has eliminated the chances for proving the inability to handle any occupation.

A lawyer could show that a disabled client lacked the ability to handle a given job, if that same client might be put in danger, while performing a newly-acquired skill. For instance, maybe a client has a balance disorder, and is prone to fall down in any situation. That same employee could get placed in danger, while performing a newly-acquired skill.

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