Q: How do I tell if my short term disability allows me to work an at home job when I can't physically drive to my job?
I know to look for the "Own Occupation" Claus in my policy, I just don't know if I'm reading this right.
"Definition of Disability
You will be considered disabled if, as a result of physical
disease, injury, pregnancy or mental disorder:
•You are unable to perform with reasonable continuity the material duties of your own occupation, and
•You suffer a loss of at least 20 percent in your predisability earnings when working in your own
occupation.
You are not considered disabled merely because your right
to perform your own occupation is restricted, including a
restriction or loss of license."
Is the exact wording. And they've determined that I cannot currently work due to being unable to drive and no work from home accommodation's.
A:
Hello. There are several important questions that are needed in order to properly answer this. Question one what is your occupation to? And What paperwork did you submit to your insurance company?
A “greeter” at a Walmart, obviously needs to be in the store in order to greet visitors. Depending on your specific occupation, you may need to work inside the office.
Many times insurance companies deny claims improperly because they don’t have all of the paperwork to check off the boxes properly for coverage.
If you have been denied by an insurance company, you should absolutely be consulting an attorney who specializes in insurance claims.
Depending on your state and your specific situation, the attorney may get paid their attorney fees if they are able to get coverage paid on your claim. Essentially, you would get a “free attorney”. Your insurance company won’t tell you this information.
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