This forum post is hidden because you have chosen to ignore ellymae. Show Details
This forum post is hidden because you have submitted an abuse report against it. Show Details
When in the case of STD turning into LTD, STD is generally based on the job description of an ee, provided by the company. With LTD, this becomes an occupation description, which may vary wildly from the company's job description for a particular position. As an example: a sales associate at a large department store may have a job description requiring them to be able to lift 20 lbs, where as a sales associate at a grocer would have a job description requiring them to lift a substantial amount more. Where exactly does a disability insurance provider get these "occupation" descriptions, and are they specific from industry to industry, or even in regards to size of the workplace. For instance, a dept store sales clerk may have a job that requires them to run a cash register and assist customers, whereas a sales associate at a small or specialty store would be required not only to do that, but also stock shelves, help with displays, etc. Any info would be much appreciated.