Disability & Long-Term CareQuestion 640 of 716
A 'split definition' of disability commonly uses:
a.No formal definition of disability at all, leaving each claim entirely to the insurer's sole discretion to decide
b.Any-occupation from the very first day
c.Own-occupation for the entire benefit period
d.Own-occupation for an initial period (such as 2 years), then any-occupation thereafter
Explanation
A split definition applies the generous own-occupation standard early, then switches to the stricter any-occupation standard for the remainder of the claim, balancing protection and cost.
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Related questions on this topic
- The elimination period in a long-term care policy functions as a:
- Benefits received from a tax-qualified long-term care insurance policy are generally:
- Compared with an 'any-occupation' definition, an 'own-occupation' definition of total disability generally results in a premium that is:
- A residual disability benefit pays a proportional benefit when the insured:
- Under a presumptive disability provision, the insured is automatically considered totally disabled, often with no elimination period, upon:
- Individual disability income benefits are usually limited to roughly 60 to 70% of earned income so that:
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)