A disability policy defines disability as the insured's inability to perform the duties of any occupation for which the insured is reasonably suited by education, training, or experience. This is known as:

Why A is correct

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.

Why the other options are wrong

• B) Own-occ pays when the insured cannot perform their own occupation's duties, regardless of ability to do other work, which is a more generous and more expensive standard. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
• C) Partial disability describes reduced capacity with proportional benefits, not an occupational-duty definition of total disability, so it does not match the quoted language. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
• D) Presumptive disability automatically treats the loss of sight, hearing, speech, or limbs as total disability, a different concept from occupational-duty definitions. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。

Memory hook

Own-occ = cannot do MY job. Any-occ = cannot do ANY suitable job. Any-occ is the harder door to open.