Disability Insurance

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Disability Simplified

Own-Occupation Disability Insurance

Understanding “Own-Occupation”

“Own-occupation” simply refers to one specific version of the definition of total disability. In purchasing disability insurance, your focus should particularly be on finding a policy that covers your specific occupational duties. Below is a summary and comparison of the two definitions often referred to as “own-occupation”.

True Own-Occupation: Considers total disability as the inability, solely due to injury or sickness, to perform the material and substantial duties of your occupation, even if you are employed in another occupation. (medical specialty wording available)

Modified Own-Occupation: Considers total disability as the inability, solely due to injury or sickness, to perform the material and substantial duties of your occupation and you must not be gainfully employed.

Disability Insurance for Your Own-Occupation

Our firm specializes in own-occupation disability insurance and since every occupation is different, we’ve provided more detailed insight based on your profession. For more information, select the most applicable option from the list below:

Accountants Financial Professionals
Attorneys Medical Resident Physicians
Consultants Physicians
Dentists Salaried Workers
Engineers Sales Professionals
Federal Government Employees Self-Employed
Federal Government Doctors Veterinarians

Purchasing Own-Occupation Disability Insurance

If you are ready to get started, the process is simple – either call us at 1-800-817-4522 or submit a disability insurance quote request. One of our specialists will assist you in evaluating your options and applying for the disability insurance policy that best fits your needs and budget.