Opinion ID: 204137
Heading Depth: 2
Heading Rank: 1

Heading: The Long-Term Disability Plan

Text: Cusson was employed at FleetBoston as a Senior Facilities Planner. She was covered under both a short-term disability plan (STD Plan) and the LTD Plan. Liberty is both the administrator of and payer of benefits under the LTD Plan. Under the terms of the insurance policy (the Policy) for the LTD Plan, the definition of Disability or Disabled for LTD purposes varies over time with the duration of the disability. For the initial twenty-four-month period after a claimant switches into the LTD Plan from the STD Plan, a person is considered disabled if she is unable to perform all of the material and substantial duties of [her] own occupation. However, after twenty-four months, a person is considered disabled if she is unable to perform, with reasonable continuity, all of the material and substantial duties of [her] own or any other occupation for which [s]he is or becomes reasonably fitted by training, education, experience, and physical or mental capacity.