The change from “own occupation” to “any occupation” is not the same as asking whether any job exists.

Describe the real cognitive, physical, interpersonal, attendance and pace demands of the pre-disability occupation.2

For alternative work, test qualifications, transferable skills, retraining, earnings and whether the person can sustain the demands reliably.

Begin the transition review months before the definition changes.3

A new definition may produce a new decision, but do not assume it cures timing tied to an earlier termination.

The legal task is not simply to disagree with the insurer. It is to identify the policy test, answer the actual reason given and protect the claim while the medical and work evidence develops.

• Define both occupational tests
• Measure sustainable work capacity
• Assess real vocational suitability
• Prepare before the transition date

Not every file requires every step or legal representation. The work should respond to the actual dispute, evidence gap or decision that is approaching.

See how an Ottawa LTD lawyer may approach the claim →