Insured policyholders are considered totally disabled only if their disabilitiesprevent them from working at any occupation for which they are reasonably suited by education, training, or experience.

One company may consider you disabled if you're unable to work in any occupation, while another may require only that you're unable to work in your current occupation.

Any occupation insurance covers a person if they cannot work under any circumstances, in any occupation,following an accident, injury, or disability.