Practice Quiz

Health and Life Insurance

Category - Disability

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Bob is in an accident that leaves him totally disabled. He is no longer able to work in his chosen field, but he is able to work. What type of disability would this be?
  1. Own occupation
  2. Any occupation
  3. Loss of earnings
  4. Loss of income
Explanation
Answer: A - Bob’s accident that leaves him unable to work in his field, but able to work is called own occupation disability. While the individual may not be able to continue in their chosen field, they can continue to work and earn money. This is one of the ways disability coverage is defined. If this definition is used, it means that the individual is unable to perform any or all duties of their chosen occupation.
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