Policy in Force
Incurred Date Definition
The first day an individual meets the definition of Disability.
What Elimination Period Determines:
When benefits begin.
Benefit Payment Period outlines when:
Benefits will end.
The Incurred date is the later of:
-Date last worked/earned 80% of earnings
-Date that they are restricted
Definition of Elimination Period:
The period of time after date of disability before claimant can receive benefits.
Where in the policy can you find the Benefit Payment Period?
-Section F - Benefit Payment Period and Recurring Disability
-Article 1-Benefit Payment Period
DLW Tuesday 8/12 (8 hours), Back pain diagnosed on 8/12
Restricted on 8/12
What is the incurred date?
Incurred date = 8/13
What does (1/8/13) mean?
(Accident/Sickness/Benefit Duration)
What is Recurring Disability?
Requirements for reopening previous disability claim if the disability re-occurs.
DLW 10/8 (6 hours), went to hospital due to increase anxiety and depression, restricted 10/8.
What is the incurred date?
Incurred Date: 10/8
Accrual Date Definition:
The date that the Elimination period is satisfied, and the Benefit Payment Period actually begins.
What requirements need to be satisfied for Recurring Disability?
-Must be for same condition
Nate last worked 7/26 (8 hours) (Because he's never in training), got ran over by a bus and was restricted 7/29.
What is the incurred date?
Incurred date: 7/29
Policy: 8/8/26 (1st Day Hospitalization)
DLW: 12/26 (2 hrs)
Dr. Restrictions/Limitations Start Date: 12/26 for normal delivery Incurred date? Accrual date?
Incurred Date: 12/26
Accrual Date: 12/26
(8/8/13)
What is the benefit payment period?
13 weeks