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Articles Posted in material and substantial

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Deposition of Unum and Paul Revere Representative Provides Valuable Insight on Unum’s Approach to Determining “Material and Substantial” and “Important” Duties

Under many disability policies, claimants must show that they cannot perform the material and substantial, or the important duties of their occupations in order to qualify for long-term disability benefits.  Although these terms are essential to the determination of a disability claim, most insurers do not define the terms “material…

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