April, 2017

Own-Occupation vs. Any-Occupation Disability Insurance

Own-Occ vs. Any-Occ Disability Insurance

Not all Disability Insurance Policies define being “Disabled” the same. Own-Occupation Policies determine ability to perform your specific day to day job duties. Any-Occupation Policies determine ability to perform any occupation you may be qualified for at all.

Obviously, there is a significant difference between these two definitions of Disability. For some jobs, an Any-Occ policy is fine. But highly trained professionals need an Own-Occ Disability Policy. However, some Own-Occ policies have more comprehensive and “client friendly” provisions vs. others.

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