How We Help

Change of Definition

You’ve been receiving your disability benefits, but now your claim is approaching the change of definition. Most long term disability insurance policies contain a provision that changes the definition of total disability from being disabled from your own occupation to being disabled from any occupation. This commonly takes place at around the two year point.

Rather than continue to approve your claim, the insurance companies now argue that even if you can’t continue to do your job, you have the ability to do another job. It is not that simple and while your insurance company may be looking to deny your disability claim, you may be entitled to benefits beyond this point. If you receive correspondence from the insurance company telling you that you no longer qualify, you should not simply give up thinking you have no chance without having a full understanding of how this clause works.

How we can support you

If you have been notified about an upcoming change of definition and have questions, concerns, or have been denied your long term disability benefits, we can help. When you call Share Lawyers, you will speak with someone who knows what you are going through and can offer you the best possible advice at no cost to you.

Why you should contact us:

  • It’s free to talk to us
  • Discuss the differences between “own occupation” and “any occupation”
  • Go over your options if you expect or have been denied at the change of definition
  • We can provide you with information to prepare you for your upcoming change of definition
  • Discuss what happens next if you are approved past your change of definition

Being approved past the change of definition

If your benefits are approved past your change of definition it means that your insurance company is listening to your doctors and believes that you can’t go back to your job or any other job. However, this does not mean that they will leave you alone from now until the age of 65. Your insurance company is always looking for reasons to stop your benefits from being paid to you and will continue to re-evaluate your claim.

If your insurance company cuts off your long term disability benefits or are looking to cut off your benefits at any point past the change of definition, it doesn’t mean they are right to do so. Contact us immediately to discuss your options, free of charge.

We’re here to support you during this difficult time

How can we help?