Disability
Own-Occupation Definition
A disability policy clause that pays out if you can't do your specific job, even if you could do another.
What it actually means
This is one of the most important clauses in a disability policy. "Own-occupation" means you're considered disabled if you can't perform your specific job — even if you could physically do a different kind of work. Weaker "any-occupation" definitions only pay if you can't work at all.
Example: A surgeon who loses fine motor control could still collect on an own-occupation policy even if capable of other desk work.
See it in context
Run the free Insurance Coverage Blueprint to see how own-occupation definition and terms like it apply to your specific situation — no signup required.