What defines a disability under 'own occupation'?

Defining disability under 'own occupation' specifically refers to an individual's inability to perform the duties of their specific job or profession. This standard recognizes that a person may still be capable of working in other capacities or jobs but is unable to fulfill the responsibilities associated with their chosen career. Thus, the definition focuses on the specialized skills and tasks required in one's profession rather than a blanket inability to work in any capacity, which is covered under a broader definition of total disability.

This definition is crucial for policyholders because it often provides more favorable benefits for those who may be unable to work in their specialized field due to an injury or illness but could potentially take on different types of work. By targeting the unique aspects of one's occupation, this approach ensures that the insured receives support that aligns more closely with their training and experience.