True Own-Occupation Definition of Disability
Purchasing a Disability insurance policy that provides a True Own-Occupation definition of disability is one of the best ways of protecting your income, your family, your future and quality of 
life. When asked if a person believes that he/she will ever be unable to work and require Disability benefits, most individuals would say no. Statistics show however that 1 in 3 workers will be disabled for 90 days or longer and 1 in 7 will be disabled for five years or longer throughout their working years. We do not know what our future brings and once it’s here, it is sometimes too late to make changes.
The True Own-Occupation definition of disability offers the most lenient and consumer friendly definition of disability available today, which most effectively prepares you for an unforeseen injury or illness. It states that you will be considered "totally disabled if an injury or illness prevents you from doing the material duties of your regular occupation, regardless of whether you are gainfully employed elsewhere". The True Own-Occupation definition of disability puts the consumer in control of their own policy rather than the Insurance Company. Wouldn’t you want to be in control if you become disabled?
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