01.Core Concepts

Under a long-term plan, the benefit period ranges from 2−65 years For the first two years, you are considered disabled if you are unable to perform all of the material duties of your own occupation. After two years, you are still considered disabled if you are unable to work in any occupation for which you are reasonably fitted by education, training, and experience Plans typically cover occupational and non-occupational disability If the disabled worker is receiving Social Security or other disability benefits, the payments are reduced to discourage malingering ‹#›