Originally Posted by
Lemonade
I copied this from the policy dated 2007. I don't have the current one. Perhaps they removed the clause in Contract 2010.
Test of Disability
From the date that you first become disabled and until Monthly Benefits are payable for 24 months, you will be deemed to be
disabled on any day if:
•
you are not able to perform the material duties of your own occupation solely because of: disease or injury; and
•
your work earnings are 80% or less of your adjusted predisability earnings.
After the first 24 months that any Monthly Benefit is payable during a period of disability, you will be deemed to be disabled
on any day if you are not able to work at any
reasonable occupation solely because of:
•
disease; or
• injury.
Reasonable Occupation
This is any gainful activity for which you are; or may reasonably become; fitted by: education; training; or experience; and
which results in; or can be expected to result in; an income of more than 80% of your adjusted predisability earnings.
Im not defending our policy or suggesting it doesn't need improvement. Im just correcting the belief about the 2 year limitation.
Key words are "if you are not able to work any reasonable occupation".
If you have two arms, two legs, and are of sound mind you are "able" meaning reasonable occupation or not you better get one because no mo LTD for you,
A reasonable occupation has nothing to do with losing your medical and not being able to fly. So if you went on LTD because you lost your medical and after two years you can't get it back but can otherwise work at a "reasonable occupation" then you're off LTD but you can't come back as a pilot. In other words FUKCED!