Disability Definitions and Work Capacity

What this video covers

• How own-occupation and any-occupation definitions measure work capacity
• Why a diagnosis, job title, or dislike of a new job does not replace the policy's written duty test
• How a disability definition can change over time, and why the benefit period is not the occupational test
• How a fixed partial-disability percentage differs from a residual benefit based on earnings loss
• How to calculate a residual benefit using lost earnings, the pre-disability earnings base, and the monthly benefit
• What timing and related-cause requirements can make a later disability recurrent
• How recurrent disability can affect the elimination period and maximum benefit period