Own Occupation in disability income means:

• A. This definition requires the insured to be unable to work at his or her occupation as listed on the Declarations Page
• B. This definition requires the insured to be unable to perform any occupation
• C. This definition requires the insured to be unable to work only part-time
• D. This definition uses a general occupation.

Answer: (A)

In disability income concepts, own occupation centers on your specific job as defined in the policy. If you cannot perform the duties of your own occupation as listed on the Declarations Page, you’re considered disabled and eligible for benefits. This focus on your particular job can allow benefits even if you could do some other type of work, which is why this definition is typically more favorable than others.

The other ideas don’t fit because one describes being unable to work in any occupation (that’s the any-occupation definition), another mentions working only part-time (not how disability is defined), and the idea of a general occupation isn’t how own-occupation terms are normally specified or tied to the Declarations Page.