There are different ways that insurance companies use to define what disability is. There also is misinformation on the topic. We’ll try to help you sort that out. First there’s the “pure” own occupation of disability. This definition, in essence, says that if you can’t perform the duties of your occupation (what you were doing before you were disabled) then you receive the benefit, even if you’re at work in another occupation. This is the most favorable definition. At the other end of the spectrun is what may be called the income definition. This says that you receive benefits if you lose income because of disability and are not at work in any occupation. Any income you make from another or the same occupation reduces your benefit. There are also “in betweeners” such as modified own occupation, transitional own occupation and pure own occupation definitions that last for a period of time such as 5 years and then switch to another method. Seems complicated but we’ll help you sort it out here in the blog, on the protectyourincome.com site or you can contact us to go over it in detail.