In LTD and STD plans, the job functions that an employee regularly performed before incurring a disability.
The definition of disability most favourable to the insured person. It is generally applicable only to people in professional jobs and is very uncommon in group insurance. A disabled person can continue to receive disability income benefits if they are unable to perform the duties of their own occupation, even if they can perform another occupation for gain or profit.
The interpretation by an insurance company of total disability under the insured's own occupation or job classification.