How long does own-occupation language apply?
Use this as a checkpoint before comparing carriers or signing an application.
Insurance terms
Own-occupation
Disability language focused on your own occupation.
Definition
Own-occupation
Own-occupation disability language looks at whether you can perform the duties of your own occupation, rather than any job you might theoretically be able to do.
- Why it mattersThis wording can matter most for people whose income depends on specialized work. Small differences in definition can create large differences during a claim.
- What it is notThis is not a quote, approval, recommendation, or policy promise. The exact meaning depends on the contract and carrier.
- Where to confirm itAsk to see the policy language, rider language, illustration, or contract page that controls this term.
Questions to ask.
A good broker conversation should turn a definition into a practical policy decision.
Is it true own-occupation or modified?
Use this as a checkpoint before comparing carriers or signing an application.
How is your occupation defined?
Use this as a checkpoint before comparing carriers or signing an application.
What happens if you work in another role?
Use this as a checkpoint before comparing carriers or signing an application.
Related reading.
Keep the explanation connected to the product you are comparing.