Disability Insurance Basics
What is any-occupation disability insurance?
Any-occupation disability insurance pays benefits only if you cannot perform the duties of any occupation for which you are reasonably suited by education, training, and experience. Any-occupation is a more restrictive definition of disability than own-occupation. It is harder to qualify for benefits.
Key Points
- Any-occupation: benefits only if you cannot perform any occupation
- Must be unable to work in any occupation you are reasonably suited for
- More restrictive definition than own-occupation
- Harder to qualify for benefits
- An independent agent can help you find own-occupation disability insurance instead