Oct 21, 2019 · The material and substantial duties phrase is the legal term used to describe what you actually do at your job, but it’s not as vague as “writing reports” or “being an anesthesiologist in an operating room.” Let’s define the terms: Material duties are tasks that must be done as …

Define Material and Substantial Duties. means responsibilities that are normally required to perform your Own Occupation, or any other occupation, and cannot be reasonably eliminated …

Nov 12, 2023 · Most short and long-term disability Plans define disability using the phrase “material and substantial” and then go on to define it as follows: Material and substantial …

Oct 24, 2012 · Even if you are familiar with the language of your long-term disability insurance policy, it can still be difficult to understand. Click here to learn how courts have interpreted key …

Mar 6, 2023 · This case highlights the importance of carefully reading and understanding the terms of your specific policy and how it addresses material and substantial duties.

Click here for more information about how “material and substantial duties” are used to define total disability. In own occupation policies, this term is typically used to describe the characterizing …

Jul 15, 2022 · “Unable to perform material and substantial duties” means what it says. The claimant must be unable to perform ALL of the material duties of the occupation in order to be …

Disability claims generally fall into two broad categories: own occupation and any occupation. An own occupation policy typically requires that the insured be unable to perform the material and …

You are disabled if you are unable to perform the material and substantial duties of your regular occupation; After 24 months of payments, you are disabled if you are unable to perform the …

An own occupation policy will pay benefits if you cannot perform the material and substantial duties of your current job (or “own occupation”), even if you can still work elsewhere. For …

Put simply, partial disability means that, following a debilitating illness or injury—you are unable to perform some of the substantial and material duties of your occupation at the onset of disability.

Many disability insurance policies contain a provision for partial (residual) disability benefits if you are unable to work full time, but can perform some of the material duties of your occupation. …

Disability exists when, due to illness or accidental injury, you are not able to perform, for wage or profit, the material and substantial duties of your regular occupation. Notice that you're …

Total disability means that, because of sickness or injury, you are not able to perform the material and substantial duties of your occupation. You will be totally disabled even if you are at work in …

Most carriers state you must be unable to perform the “material duties” or “the material and substantial duties” of your occupation. The insurance company reviews your job duties, at the …

In a long-term disability claim, a "material duty" typically refers to a job duty or function that is essential to the performance of the insured's occupation.