Will 8850 Form Disability 2016-2023

Hi I'm attorney Greg Dell here with attorney Stephen Jessup and Steve I want to talk to you about something that's probably one of the top five reasons that we see claim denials and that has to do with the change in definition that comes about in a long term disability policy and that obviously has to do with a change from a known occupation definition usually to in any occupation definition or used to be that you're able to do your own occupation then you can't do a job that pays you more than sixty percent what used to make but for the most part they're usually from your own occupation to any gainful occupation which is very similar to the Social Security disability standard very common in almost every group long term disability policy because you know all of these group disability carriers governed by ERISA make you apply for Social Security disability so they kind of tie that in to say look after 12 months or 24 months of getting paid benefits your definition is going to change so we know that you know a big chunk of the calls we get every week are either I've been denied because they changed my definition or they've notified me they're doing an evaluation of my claim and they're saying that I'm gonna have this change the definition and four or five months what can I do so let's talk about first some things that possibly people could do to prepare for the change in definition to help avoid a denial I think really it's it starts from the beginning of the claim the vast majority of people are going to have jobs that fall in a cementary light-duty capacity so when an insurance company is reviewing you know...