Own Occupation

A strong disability definition that pays if you can’t do your specific job, even if you could work at something else. A surgeon who can’t operate still collects.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.