The insured must show they have a total and permanent disability that prevents them from working in their own occupation which they disclosed when applying for this cover.
‘Own Occupation’ is a more liberal definition of disability because, even if you can work in another occupation, you may still be eligible to receive disability benefits.
Own occupation coverage is often more expensive, and may only be available to individuals who have a clean medical history and work in a relatively risk-free occupation.
The insured must show that they are totally and permanently disabled and unable to work in their usual, or any other occupation for which they are reasonably suited by their education, training or experience.
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