| To qualify for disability, one must be “unable to perform with reasonable continuity, all of the material and substantial duties of his own or any other occupation for which he is or becomes reasonably fitted by training, education, experience, age, and physical and mental capacity.” The insurer identified a number of jobs it believed the plaintiff could perform, but the plaintiff strenuously objected that such jobs were not equivalent to her prior station in life and that the earnings the identified jobs paid were so disproportionate to pre-disability earnings that such occupations could not be considered a reasonable other occupation. The insurer’s claim manual indicated the insurer “should consider ‘reasonable replacement of income based on TEE [training, education and experience].” Plaintiffs argued that “any other occupation” requires a consideration of prior salary, training, education and experience. The court disagreed. An individual is not allowed to claim disability when able to perform a number of jobs.
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