How do I find out how long my benefits will last?
The maximum benefit period is based upon the schedule of benefits in your employer's Group Policy. Most policies have an "Own Occupation" standard that requires you to be unable to perform the duties of your own occupation in order to receive benefits. Depending upon the terms of the Group Policy, "Own Occupation" benefits may last for two, three or five years.
After the "Own Occupation" period ends, most Group Policies switch to an "Any Occupation" standard that requires you to be unable to perform the duties of any occupation for which you are qualified by education or experience in order to receive benefits.
Your benefits while under the "Any Occupation" standard will end at retirement or at a specific age, depending on your employer's Group Policy. For the exact terms and conditions of your eligibility for, and entitlement to, Long-Term Disability benefits, please see your employer's Group Policy, check with your employer or see your Employee Benefits booklet.
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