These so-called “occupational policies” will define “total disability” as the insured being unable to perform “all duties” or “every duty” pertaining to the insured’s occupation.

Partial disability is an inability to perform one or more of the regular duties of an occupation. Partial disability benefits are referred to as “at-work” benefits, since the insured is still able to work and receive benefits.

An any-occupation policy is a type of disability insurance that provides coverage for when the insured is unable to work in a job suitable for them based on education, experience, and age. If the insured is capable of still working, even if it is at a lower-paying job, an any-occupation policy would not pay benefits.

Own-occupation insurance policies pay a benefit if you are unable to perform the substantial duties of your regular occupation or profession (and physician disability insurance may pay if you are unable to perform your sub-specialty).

However, disability insurance policies differ on what they consider “disabled enough” for benefits. In some cases, if you can work any job, even a low-paid one, you won’t qualify for benefits under the disability insurance company’s terms. This type of policy is called an any-occupation policy.

Non-occupational disability means a non-occupational sickness or condition that results from injury or disease that is not job related. Non-occupational disability makes a person unfit to perform the material duties of regular job functions.

A Individual disability policies never cover nonoccupational injuries. C Disability insurance can be written as occupational or nonoccupational. D Group medical expense policies and individual medical expense policies always cover both occupational and nonoccupational injuries.

Arthritis, diabetes, clinical depression, cancer, heart disease and high blood pressure are common non- occupational illnesses. Often, in these cases, the inability to perform regular work duties is of secondary importance to the need for treatment for occasionally life threatening and long-term health considerations.

: not of or relating to a person’s occupation : not occupational a nonoccupational environment nonoccupational injuries.

Disability income insurance is a supplemental policy designed to protect policyholders if they are unable to work due to an illness or accident. Disability income benefits offer a monthly income so the policyholder can cover regular expenses while he or she is unable to work.

Occupational insurance coverage is defined as insurance provided to those employees injured or killed on the job while non-occupational insurance policy is one that does not cover an employee for injuries sustained while at work.