Disability Insurance Basics
What is a disability insurance own-occupation rider?
An own-occupation rider on a disability insurance policy changes the definition of disability to own-occupation — meaning you receive benefits if you cannot perform the material duties of your specific occupation, even if you can work in another capacity. This is the most comprehensive disability protection available.
Key Points
- Own-occupation rider: changes definition to own-occupation
- Receive benefits if you cannot perform your specific occupation
- Even if you can work in another capacity
- Most comprehensive disability protection available
- Best for: professionals with specialized skills (doctors, lawyers, dentists)