Long Term Disability Insurance

Occupation Test

An injury, sickness, or pregnancy is considered disabling if:

during the first 36 months of a period of disability (including the qualifying period), it requires that the insured be under the regular care and attendance of a doctor, and it prevents the insured from performing at least one of the material duties of his or her regular occupation; and

after 36 months of disability, it prevents the insured from performing at least one of the material duties of each gainful occupation for which he or she is qualified by education, training, and experience.