Most LTD state that for the first 24 months (2 years), you are entitled to claim LTD benefits if you cannot perform the essential duties of your own policies occupation. This is called the “Own Occupation Test”.
After that two-year period, your eligibility for LTD will be based on whether you are unable to do any occupation for which you are reason- ably qualified (or could become qualified for). That is called the “Any Occupation Test”.
Those conditions can vary greatly from one policy to the next. Some policies are “Own Occupation” until age 65, meaning you are entitled to benefits all the way up age 65 unless you become able to do your usual job again. Others are “Any Occupation” from the start.
Courts have said that “Any Occupation” does not mean literally any job
– it must be a position for which you are not over qualified or unsuited by background and where you will not be doing trivial work.
Additionally, some insurers will provide you with vocational training to help you find another job that is more suitable for you if your disability is ongoing and prevents you from returning to the job you had before you became disabled.