Disability & Long-Term CareQuestion 82 of 716
Which definition of total disability is the MOST favorable to the insured?
a.Any occupation
b.Gainful occupation
c.Own occupation
d.Modified own occupation
Explanation
Under an own-occupation definition, the insured is totally disabled if they cannot perform the duties of their specific occupation, even if they could work in another field. This is the most favorable test because it allows benefits to continue even when the insured can earn a living in some other line of work.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)