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hi my name is Nick Ortiz I'm a board certified disability insurance attorney today I'm here to talk to you about Aetna life insurance company and how they handle long term disability claims you may be here because that does denied your Ltd claim and the denies claims for a number of reasons and today I'm going to go over the top five number one they may deny your claim because there's been a transition in the definition of disability after 24 months what that means is for the first 24 months of your policy they will typically pay benefits so long as you cannot perform the material duties of your job to call that oh not your own occupation after 24 months and they will pay benefit so long as you cannot perform the material duties of any job or we call Antioch any occupation it is usually after the 24 month period that they say look we know you couldn't perform material duties of your job but we think there's other work you can do so they cut you out for your benefits at the two-year mar

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