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Under the own occupation insurance definition mark cannot perform the substantial duties of his occupation as a surgeon.
Definition of disability own occupation. True own occupation pays the benefit in full even if the insured gets another job after incurring the disability. There are three kinds of own occupation policies. Transitional own occupation coverage is own occupation coverage with an adjusted benefit. For instance if the maximum benefit is 6 000.
If jim had an own occupation disability insurance policy he would receive. This type of policy takes into account your earnings from the job you take while disabled. An own occupation provision is the most favorable to an insured to have in a policy with own occupation the insurance company is going to constantly look at what job you were performing at the time you became disabled.
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