When it comes to long-term disability insurance, few areas are as confusing and difficult to overcome as how the insurance policy defines a disability. Disability insurance falls into two primary categories: own occupation policies and any occupation policies. The type of policy you have will have a dramatic impact on whether the insurance company even considers you disabled. Here’s what you should know about the difference between these two types of disability claims. What is Own Occupation vs Any Occupation? When the policy covers “own occupation” disability, it means your policy requires that you be unable to perform the duties […]