Disability & Long-Term CareQuestion 82 of 315
Which definition of total disability is the MOST favorable to the insured?
a.Own occupation
b.Any occupation
c.Modified own occupation
d.Gainful 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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