User:Jamiekanfly/Own occupation

Own occupation is a definition of disability in a disability insurance policy. It states that due to sickness or injury,the policy will pay a benefit if the insured cannot work in his or her occupation. With an own occupation definition of disability, there is no reduction in benefits if the insured can work in another occupation.

If the insured is a physician or dentist, their occupation will be considered their medical or dental specialty. Therefore, if you are not able to work in their medical specialty due to a sickness or injury, they will receive disability insurance payments even if they are working in another medical or dental specialty.