If a claimant cannot perform their listed occupation but could perform another occupation with training, which definition applies?

• A. Any Occupation
• B. Own Occupation
• C. Temporary Partial
• D. Permanent Total

Answer: (A)

The key idea is how disability definitions judge when benefits are payable. Under an own-occupation definition, you’re considered disabled if you can’t perform the duties of your own occupation, even if you could work in another job after training. The ability to switch to a different occupation doesn’t remove the disability under this definition. In contrast, an any-occupation definition requires that you’re unable to perform any occupation for which you’re reasonably fitted by education, training, or experience; if you could take on another occupation with training, you might not meet that standard. Temporary Partial and Permanent Total describe different benefit situations and aren’t the fit for this scenario. Therefore, when someone cannot perform their listed occupation but could perform another occupation with training, the applicable definition is own occupation.