Who determines if I am disabled?

When a person becomes disabled a claim form is filed with the insurance carrier, providing details on the nature of the disabling injury or sickness.

Your attending physician also provides details about the disability, including what work limitations you have, as well as how long you are expected to be disabled.

Your policy will define what a disability is as either, total, partial, or a combination of both. You will have a choice of definitions to determine which best covers you in the type of occupation or specialty you work in.

Disability insurance is customized for you, by your choices.