II. Background
- Covers inability to work longer than 90 days
- Insures continued income not covered by other insurance
III. Definitions
- Insurance based on occupation
- Own Occupation Insurance (Professionals)
- Covers inability to work in own occupation
- Regular Occupation (non-professional occupations)
- Covers inability to work in regular occupation
- Not specific to patient returning to his usual job
- Reverts to Any Occupation after 2 to 5 years
- Any Occupation
- Covers inability to work in any capacity
- Own Occupation Insurance (Professionals)
- Insurance based on duration
- Short-term Disability (accident or sick insurance)
- Partial salary replacement for 13, 26 or 52 weeks
- Patient unable to return fully to work
- Long-term Disability
- Follows 26 to 52 week waiting period
- Covers extended Disability
- First 1-2 years Total Disability Criteria
- Unable to perform regular occupation
- After first 1-2 years Total Disability Criteria
- Unable to perform any gainful employment
- Employment must be reasonably appropriate
- Education, training, and experience
- Physical and mental capacity
- Short-term Disability (accident or sick insurance)
IV. Protocol: Certification with Form DB-450
- Complete accurately and completely to prevent delays
- Define patient's diagnosis
- Maintain confidentiality per local law
- Express Symptoms and objective findings
- Track important dates
- Date of first treatment
- Date of most recent treatment
- Date of Disability onset
- Date of anticipated work return (avoid "uncertain")