CFP

Group Disability Insurance - Definition of Disability

The policy has a provision defining under what conditions you will, or will not be awarded benefits. This provision is called the definition of disability.

  • Own Occupation ('own occ') - The insured is unable to work at his or her own occupation due to an accident or sickness. Because this is more beneficial to the insured, it is more expensive and difficult to qualify for.
  • Any occupation ('any occ') - The insured is unable to perform any occupation for which he or she is suited based upon education, training or experience. This definition of disability is more restrictive, less desirable for the insured, more so for the insurer.
Most plans offer two tiered coverage with the own occupation definition used for a period of time initially and then the any occupation definition if the disability's duration turns out to be longer than expected.




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