Alberta LTD in Red Deer — Own-Occupation Vs Any-Occupation at the 24-Month Mark
In Alberta, LTD benefits typically shift once you reach 24 months of disability. Initially, policies often cover you under an own-occupation standard, allowing benefits if you cannot perform your specific job. After this period, many policies switch to an any-occupation standard, requiring proof you can’t work in any gainful capacity. Recognizing how these standards change…