If a disability policy states you will not qualify for benefits if you can perform some duties, what might you expect?

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In a disability policy that specifies you will not qualify for benefits if you can perform some duties of your occupation, it typically indicates a strict definition of disability. This means that as long as you retain the ability to perform any of the essential duties, you may not be deemed disabled under the policy's terms, leading to the conclusion that no benefits would be paid.

This kind of provision is often found in "own occupation" policies that set a high bar for qualifying for benefits. If you are still capable of performing various tasks related to your job, regardless of the severity of your condition, then the insurance company may decide that you do not meet the threshold for claiming benefits.

Other responses suggest variations of receiving partial or delayed benefits, but given the precise wording of the policy, those interpretations would not apply as long as any duties can be performed. Thus, the expectation would indeed be that no benefits would be paid if you retain the ability to perform some duties of your occupation.

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