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Professionals and business owners tend to have very sophisticated disability policies offering multiple levels of benefits. For instance, many individual disability policies provide for residual or partial disability coverage, recurrent disability benefits, recovery benefits, free COLA increases, and lifetime benefits. But these policies change over time. Insurers offered very generous coverage decades ago. Coverage offered today is different, often times more expense and riddled with limitations.

This type of individually purchased disability insurance policies are frequently sold as a source of “income protection.” Depending on the specific definitions in your policy, if you have an older policy, this can mean that if your disability allows you to perform some of the duties of your occupation but results in an income reduction (typically at least 20 percent) due to your medical condition, your policy may provide benefits to make up for the lost income. The insurance companies are very strict in interpreting these provisions so you need to consult with a qualified disability attorney at the onset of your injury or illness to fully protect your rights.

And if you have multiple policies, you should seek experienced advice in order to avoid endangering your benefit eligibility under one policy while focused on another’s policy provisions.

When you work with the attorneys at our firm, we will carefully review your coverage so that you know exactly what you need to do to collect the maximum benefits you are entitled to.