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Disability Insurance

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  Disability Insurance And Disability Insurance Quotes


Definitions Of Total Disability

  The best policy definition of total disability will state that you are unable to work at your regular occupation because of sickness or injury.

With some policies, total disability language will state that because of sickness or injury you are not able to perform the material and substantial duties of your occupation and will apply for the entire benefit period of the contract.


Occupation should be defined as the regular occupation in which you are engaged at the time of disability, even if work in some other capacity other than your own occupation is possible. Look for this benefit to cover the entire benefit period named in the policy.

Specialty Occupations

Own-Occupation Language when your occupation is limited to a single medical specialty so the policy considers your specialty to be your occupation.

Related Topics

                   ●  Types of Disability insurance coverage   
                  Renewability  Provisions  
  Definition of Total Disability   
                  Optional Benefits
                  Residual Disability Benefits   
                  Other Policy Benefits   
                  Occupation Definitions   
                  Occupation Class Look Up 

Not all insurance products from all insurance companies are available in all states.

Note:  We do not provide legal or tax advice. The general information presented on various tax aspects contained in this site are not intended to be relied upon as tax advice. Individuals should seek the advice of a qualified tax professional regarding the taxation of these benefits as they apply to your particular situation.  These benefits are offered in all states except: AK, HI, & WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC 

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