Navigating Through Vocational Analysis To Prove Disability Under Group and Private Disability Contracts
1h 40m
Created on September 20, 2014
Beginner
Overview
An insured making a claim under a disability insurance policy must deal with two disability definitions: (1) initially, the burden to prove that the claimant is unable to perform the duties of their occupation and (2) when the contract language shifts to proving an inability to perform the duties of “any gainful occupation." Ambiguities abound. The attorney representing a claimant must navigate through the policy terms, the relevant case law and approach the case with objective proof to substantiate the claim. In this program, Lawline Faculty and experienced attorney Bonny G. Rafel LLC discusses the best methods with which to wade through the evidence and establish a client’s rights to disability benefits under the applicable policy language. Bonny dissects several vocational reports from the insurer and claimant angle as she investigates the keys to ultimate success.
Learning Objectives:
- Grasp what evidence is important when evaluating a claimant’s occupational duties
- Understand how the insurer typically limits the evidence considered in order to maximize return to work potential
- Evaluate the necessary components of a successful submission
- Spot legal issues related to evaluating ability to perform any gainful occupation and how to overcome obstacles
This course originally appeared as a part of our September 2014 Bridge the Gap Event.
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