What does own occupation mean in a disability policy?

Review own occupation versus any occupation language, elimination period, benefit period, exclusions, residual or partial disability benefits, inflation features, portability, and how bonuses or self employment income are treated. When comparing the policy options, request an in force illustration, benefit schedule, or written policy summary before changing a policy based on a verbal recommendation. When evaluating the policy, disability insurance should be evaluated by the income it protects and the definition of a covered disability, not only the monthly benefit. Start with the policy itself and the latest illustration or benefit summary, then have a licensed professional confirm in writing which guarantees, exclusions, surrender limits, and beneficiary terms apply.