Arguably, the most important provision in your LTD policy is the definition of the word "disability." The primary distinction is whether your policy covers "own-occupation" or "any-occupation" disabilities.
An any-occupation policy requires that you be unable to perform the material duties of any occupation to receive your LTD benefit. Emphasis on "any." With no offense intended to the lovely greeters at Wal-Mart or the burger flippers of the world, we must acknowledge that the requisite skill required to perform the material duties of those jobs is quite limited. As is the pay.
Indeed, the whole point of disability income insurance is to help replace a portion of your income, not someone else's, and that's why there is own-occupation coverage and similar variants, such as "modified own-occupation" and "income replacement." If you're disabled enough that you can't do your job, you're covered. That's the plan.
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The only problem is that most group LTD policies are very limited in that pesky definition of what constitutes a disability. The vast majority of them read something like this:
"Own occupation for the first two years; any occupation to age 65."
This means that you're reasonably well covered for the first two years, but then, unless you've suffered a very serious disabling injury, you're likely to lose your coverage.