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meamemg t1_jefvcid wrote

Any occupation generally is any occupation for which you are reasonably qualified by way of your training and background. So, while you should check the language of the policy specifically, they probably would not be able to force you to be a grocery bagger. See https://www.mkdisabilitylawyers.com/blog/change-of-definition-what-does-it-mean-for-my-long-term-disability-ltd-benefits/

Employer provided LTD benefits are taxable, unless you choose to pay income tax on the value of the premium. Your current policy should indicate somewhere a definition of disabled which would tell you whether it is own occupation or any occupation.

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