What is the difference between the regular and own occupation definition of disability?
| Top The Regular Definition of total disability provides benefits if, as a result of sickness or injury, you are unable to perform the essential duties of your regular occupation, are under the regular care of a physician, and you are not engaged in any other gainful occupation. If you choose to work in another occupation, you are no longer considered totally disabled, but may be eligible for residual benefits if you suffer a loss of income of at least 20%. The Own Occupation is offered at an additional premium. As in the Regular Definition, you are totally disabled if you are unable to perform the essential duties of your regular occupation and are under the regular care of a physician. The difference is if you choose to work in another occupation you continue to be considered totally disabled for your regular occupation and eligible to collect benefits even if you are earning income from the “new” occupation. It’s important to note that neither the Regular nor Own Occupation definit
