Own occupation describes a definition used in some disability-related insurance benefits to assess the insured person’s ability to perform their occupation. It is not simply another name for ordinary death cover.
The distinction that matters
Own-occupation and other occupational definitions can set different tests. The exact insured duties, assessment period and policy benefit must be identified before comparing them.
What to check
- The benefit using the definition.
- How the insured occupation is identified.
- Partial work, retraining and other employment provisions.
- Any superannuation or benefit-release conditions.
Example to discuss
If someone cannot perform one specialised duty but can do other work, ask how that situation is assessed under the actual definition instead of assuming qualification.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.