As disability claim losses increased and net profitability decreased, insurance companies began to tighten claims procedures, restrict issuance of certain policy provisions and either restricted or eliminated guaranteed issue programs. Therefore it is important to contact a professional before initiating your disability claim.

   By the early 1990's, the disability claim departments of many insurance companies were transformed from servicing units to more distinct business units. "Own occupation" claim denials significantly increased in number, making it more important for you to get professional claim advice before you file for your disability insurance benefits.