Own Occupation vs Any Occupation

Total disability means the insured cannot perform the duties of their occupation or any occupation, depending on the definition; partial disability means the insured can work but at reduced capacity or income — Total disability is defined by the inability to perform occupational duties: under an own-occupation definition, the duties of the insured's own occupation; under an any-occupation definition, the duties of any occupation for which the insured is reasonably suited. Partial or residual disability exists when the insured can work but at a reduced level or reduced income, allowing a proportional benefit. The duration of the disability does not define the distinction; the degree of incapacity to work does, and the policy language determines which standard the insured must meet to qualify for full benefits.

National insurance concept

An any-occupation (any-occ) definition — The language quoted is the classic any-occupation definition: the insured must be unable to perform the duties of any reasonable alternative occupation, considering education, training, and experience, to qualify for total disability benefits. It is stricter than an own-occupation definition, which pays when the insured cannot perform the material duties of their own occupation even if they could do other work. Any-occ policies are typically less expensive and easier to underwrite, but harder to collect on, because the insured must show that no suitable occupation remains available.

National insurance concept