True Own Occupation Policies

These policies provide the best own occupation coverage because they allow you to collect total disability benefits even if you are working in another occupation, as long as you are unable to perform the material and substantial duties of your prior occupation. Many physicians and dentists believe they have this type of policy, and are surprised to learn that there are several different types of “own occupation” policies that are not “true own occupation” policies.

Click here for more information on the several variations of own occupation policies.