Why Do Disability Insurance Companies Manipulate Your Occupational Duties?

Attorneys Gregory Dell and Cesar Gavidia discuss how insurance companies may manipulate the duties of your occupation to deny your disability claim. Disability insurance companies will ignore or minimize many of your day-to-day job duties. Insurance companies will want to put your occupation into a bucket, defined by their own vocational staff or the Dictionary of Occupational Titles (DOT). Saying an occupation is sedentary, light, medium, or heavy, is generic, and barely scratches the surface of what is required in any occupation. Many of your job duties will not be considered as essential or substantial even if you performed those duties for years. Insurance companies will also ignore the mental or cognitive demands of your job. Even if you sit most of the day you likely have to be able to concentrate and focus constantly. There is no occupation where sitting is the only required ability but that is how ridiculous the insurance company’s view can be. Insurance companies will also ignore travel, being on-site or off-site for work, and minimize many other physical demands. Our disability lawyers have encountered every type of occupation and will work with you, your physicians, and provide detailed vocational evidence to help get your disability benefits approved. 00:00 – Why do disability insurance companies manipulate your occupational duties pre-disability? 02:28 – The disability insurance company will usually ignore your actually duties and try to simplify your job into a physical demand category of sedentary, light, medium or heavy duty. 05:46 – It is critical to make sure that your occupational duties are presented to the disability insurance company with great detail and as much supporting information as possible. 09:27 – Disability insurance company employees are trained to ignore the mental / cognitive aspects of any occupation and only focus on the physical. 12:14 – Beware of an old job description or an incomplete job description that your employer may submit to the disability company. 16:06 – Our strategy is to overwhelm the disability insurance company with occupational evidence. For an immediate free consultation with one of our nationwide disability insurance lawyers please 📞 call 888-292-8481 or 💻 email https://www.diattorney.com/contact/?r.... We do not charge any fees or costs unless we are able to recover benefits. No office visit is necessary.