Disability Tip of The Week
Recommending a Total Disability Definition – Own Occupation Rider
Specialized professionals such as physicians, dentists and trial attorneys may wish to add the Own Occupation Rider to their policies. This rider changes the policy’s definition of total disability. It removes the last requirement – not engaged in any other job or occupation for wage or profit. Imagine if a trial attorney suffered an illness that resulted in not being able to present in court. That trial attorney could work in another legal practice or even in another field and still collect benefits. Or think of a surgeon who develops a hand tremor and can no longer perform surgery. That surgeon could collect benefits while choosing to work in another job that the hand tremor doesn’t affect. The Own Occupation Rider can allow your specialized clients to choose to work – or not – when faced with a disability.
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