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What if I could do some parts of my job but not all of them?

14 Sep 2021 [custom-tax id="tax_1875"]

So what if you can do some of the duties of your job, but not all of the duties of your job? Under most long-term disability benefit plans, you are still considered totally disabled if you can’t successfully complete all duties at your job. Now, why is that? 

First, what is the definition of “disability”?

Most insurance companies define the term disability to say that you cannot perform all of the main duties of your regular occupation or your own occupation. They all have some variation of the same words, but they all essentially mean the same thing. The rulings have been, if you can’t perform all of the essential duties of your job, then you are considered disabled under the policy.

Examples of not being able to perform your job duties properly

If you can do, for example, let’s say part of your job is to make phone calls and you can make phone calls for two hours a day, but you can’t make phone calls for eight hours a day.  If that is the case and you cannot perform all of the duties of your regular occupation.

Perhaps you can lift up to 20 pounds, but you can’t lift up to 50 pounds. You’re working a warehouse and sometimes you have to lift packages that are 10 pounds and sometimes you have to lift packages that are 40 pounds, but your doctors have limited you to lifting no more than 20 pounds. Well, then you can’t do all of the essential duties of your own occupation. As a result, you should be considered disabled under that policy.

Just because you can do one or two of the essential duties of your own occupation, that doesn’t necessarily mean that you can do all of them. Most policies require that you have to be able to do all of your duties of your own occupation for that two year period after your date of disability and after the elimination period in order for you to get disability benefits. Just because you can do some doesn’t mean you can do all. If you can’t do all, then most likely you are disabled as defined by the policy. 

I hope this video has been helpful. If you have questions, of course you can enter your comment in the comment section below or you can give me a call or send me an email. Happy to chat with you.

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Brandon and his team at Osterbind Law are truly peerless. This is exactly how a modern personal injury firm should operate. The firm is holistic in its approach and thoughtful. It's no wonder why they get such great results for their clients. And no surprise, their clients love them. I've had the pleasure of working with Brandon on a professional level and he levels up, big time. Kudos.
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Very compassionate and knowledgeable people who helped us with our situation. They worked quickly and I can’t tell you how grateful I’m they were so caring. I would recommend this firm to anyone that anyone
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The entire team at Osterbind Law are incredible. They communicated with us with every step and process that was happening . They provided the knowledge, support, and empathy to us on the case. And when the curve ball was thrown, they dug in deeper. I have nothing but the highest respect for Brandon and Hannah and the entire team. They made us feel more like a family, than a client.
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The staff is caring and very knowledgeable. They help you as quickly as possible, and worked very hard for us. I'm so pleased with the way they assisted us.
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Brandon and his team did a great job helping me through my case. I'm so glad I chose him and stuck with him through the transition to his own firm. The staff is very knowledgeable and friendly. They feel like family after all this! Thank you for everything!!Amber J
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2 year ago
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