LTD Contracts Should Never Include These 10 Features

  • Prematurely terminate a claim
  • Reduce the expected benefit amount
  1. Non-specific definition of occupation and duties
  2. Offsets for lagged income
  3. International travel/residency restrictions
  4. Part-time work requirement
  5. Maximum capacity language
  6. Mandatory rehabilitation
  7. 40-hour work week limit
  8. Self-reported symptom limitations
  9. 24-month lifetime aggregate mental illness & substance abuse limits
  10. Recommended treatment requirement

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