What is "own occupation" disability insurance?

If you have the training and expertise to work in a specialized field, such as medicine, it may be a good idea to take steps to protect yourself in case you later suffer a disability that forces to you stop working.

One form of long-term disability insurance that appeals to many professionals is called “own occupation” disability insurance. Generally speaking this type of insurance is meant to pay out if a disability forces the policy holder to stop working in the particular job they had before their injury. Even if you are able to work outside your prior profession, you may still make a claim.

As Policy Genius explains, a similar option will pay out unless you are able to work in a job to which you are “reasonably suited by means of education, training or experience.” For example, a disability could take away your ability to be a surgeon, but the insurance company could conclude that you would be reasonably suited to work as a professor at a medical school.

Whatever the terms of your own occupation disability policy, you may left in serious financial trouble if the insurance company denies your claim. A denial made in bad faith can feel like a betrayal after years of paying your premiums and counting on the insurance company to do what it promised.

Fortunately, victims of bad faith insurance have the right to fight back. An experienced insurance bad faith attorney can help you make your case for rightful compensation from your insurance company.

No Comments

Leave a comment
Comment Information
Email Us For A Response

How Can We Help?

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Sedona Office
25 Schnebly Hill Road
Sedona, AZ 86336

Toll Free: 928-282-3111
Phone: 928-282-3111
Sedona Law Office Map

San Diego Office
501 W. Broadway
Suite 807
San Diego, CA 92101

San Diego Law Office Map

San Diego: 928-282-3111
Toll Free: 928-282-3111
Phoenix: 928-282-3111
Toll Free: 928-282-3111
San Diego: 928-282-3111