Individual Disability Contracts have three basic definitions of TOTAL DISABILITY
- Any Occupation
You are considered to be disabled if you cannot perform the substantial duties of your occupation AND you are not gainfully employed elsewhere AND you cannot do anything for which you have education, training or experience. This is the MOST RESTRICTIVE definition of Total Disability. - Regular Occupation
You are disabled if you cannot perform the substantial duties of your occupation AND you are not gainfully employed elsewhere.
This is MORE LIBERAL than the “Any Occupation” definition of Total Disability. You will receive benefits as long as you are disabled in your occupation. However, if you decide to work elsewhere, your claim benefits will cease. - Own Occupation
You are disabled if you cannot perform the substantial duties of your occupation.
This is the MOST LIBERAL definition of Total Disability. You will receive full benefits if you cannot work in your regular occupation even though you are working elsewhere and earning an income. The DEFINITION of TOTAL DISABILITY is the most important feature of any disability contract!
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