Ah, the fine print. Lawyers always read the fine print because
we so often need to refer to it in our cases.
But when many people see a block of legalese in two point font
they simply shrug their shoulders, ignore it, or scroll past it to
click the "Yes I have read all the terms and conditions"
option and get on with their lives.
In this blog post, I look at the language used in long-term
disability insurance plans, terms like "own occupation"
versus "any occupation."
Short-Term and Long-Term Disability
If an illness or other medical condition affects your ability to
continue to work at your job beyond what your employer provides for
in term of sick days, you may qualify for short-term disability
benefits after a qualifying period. Depending on the insurance plan
you have, these benefits may pay your full salary or, more likely,
a significant percentage of your regular salary (about 70% on
average) for a period of 15 weeks to up to a year.
