What occurs when an insured cannot work in their 'own occupation'?

When an insured cannot work in their 'own occupation,' they may receive benefits typically for two years. This principle is rooted in the definitions often found in disability insurance policies, which distinguish between an inability to perform the tasks of one's specific job versus any job. In many policies, if an individual is unable to fulfill the duties required of their particular occupation, they may qualify for benefits for a limited period, which is often two years.

During this time, they can focus on recovery without the pressure of having to switch occupations. If they are still unable to return to their own occupation after this period, many policies may then require them to prove they cannot work in any occupation to continue receiving benefits. This structure is designed to bridge the gap between short-term and long-term disability support, acknowledging that not all disabilities are permanent or prevent one from engaging in different work altogether.