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.
A definition of disability that allows benefits to be paid if an insured individual can no longer perform the major duties of his or her own occupation (in contrast to "any occupation for which reasonably suited" definition of disability).
A definition used in disability policies, it means the occupation that one is qualified for by virtue of experience or education. p 140
A definition of disability which states that an insured will be considered disabled only if he or she is unable to perform the duties of his or her occupation (or occupations, if more than one) at the time of disability. return
A term that defines the most liberal wording of the total disability contractual provision. If the insured, due to sickness or injury can't perform the duties of one's own
A term that defines the most liberal wording of the total disability contractual provision. The insured will be considered totally disabled even if they are at work in some other capacity so long as they are not able to work in their occupation.
A term for a disability policy that provides benefits when the insured is unable to perform the usual and customary duties of one's own occupation.
A definition of disability which states that as long as the insured is unable to perform the duties of his or her regular occupation (or occupations, if more than one) at the time of disability, the insured will be considered eligible to receive the full benefit under the policy.