Disability & Long-Term CareQuestion 639 of 716
Compared with an 'any-occupation' definition, an 'own-occupation' definition of total disability generally results in a premium that is:
a.Higher, because the insured qualifies for benefits more easily
b.Lower, because own-occupation claims are far less likely to be filed
c.Zero, because own-occupation coverage is offered at no cost
d.Identical, since the definition does not affect pricing
Explanation
Own-occupation pays if the insured cannot perform their own job even if they could do another, making claims more likely and the premium higher. Any-occupation is stricter and therefore cheaper.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)