Continuous Disability

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Continuous Disability In insurance, continuous disability refers to a disability that lasts for a continuous period of at least 12 months. This is a key definition in long-term disability insurance, as most policies require that a disability last for at least 12 months before benefits will be paid. There are a few different ways that continuous disability can be defined in insurance policies; Some policies may define it as the inability to perform the material duties of your own occupation for a continuous period of at least 12 months. Others may define it as the inability to engage in any substantial gainful activity for a continuous period of at least 12 months. Usually a periodically reviews is made to determine your medical impairment(s) to determine if you continue to have a disabling condition. If it is determine that you are no longer disabled, your benefits will stop. At this point you will be required to have a continuing disability review (CDR). Here are some of the factors that may be considered when determining whether or not someone is continuously disabled: -The nature and severity of the disability -The prognosis for the disability -The individual's ability to perform work-related activities -The individual's ability to perform activities of daily living If you want to keep your continuing disability cover running, here are some tips on how to pass a continuing disability review: -Follow Your Treatment Protocol. -Learn More About Your condition. -Answer the questionnaires honestly. -Keep copies of your medical Records. -Update any change in address. If you are considering applying for long-term disability benefits, it is important to gather as much medical documentation as possible to support your claim. #benewinsurance #insurtech #inclusiveinsurance #insurance #reinsurance #takaful

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