Video Summary

  • Own-occupation and any-occupation are provisions in disability policies.
    • Own-occupation provision covers disability related to the policyholder's specific job or occupation.
    • Any-occupation provision applies after 24 months, requiring the policyholder to be disabled from performing any job.
  • An example given is of a high-powered executive who becomes disabled, initially receiving benefits under own-occupation but facing a change to any-occupation after 24 months.
  • Consulting with a disability attorney may help in understanding policy details and appealing wrongful denials.
Kevin J. McManus
Connect with me
Kevin McManus is an accident injury and disability lawyer in Kansas City, MO, and Overland Park, KS