Dentist and doctors: beware of the Standard Insurance Company Group's long-term disability policy
The Standard Insurance Company sells multiple different long-term disability policies to dentist and other medical professionals. The difference in each policy is usually the definition of disability. In my opinion, the following definition of Own Occupation Disability sold by Standard is called an Own Occupation definition, but it is not a true Own Occupation policy. The following definition of Own Occupation is misleading and essentially requires the policy holder to be unable to work in any occupation.
Our law firm has represented numerous claimants that have purchased a long-term disability policy from Standard with the following definition of Own Occupation:
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