A question we’re commonly asked is, “What is the ‘own occupation’ or ‘specialty occupation’ definition of disability? This is an excellent question and it’s at the heart of quality disability coverage. The true own occupation definition means that you’re considered totally disabled if, due to illness or injury, you’re unable to perform the material and substantial duties of your occupation, regardless of any income you later earn in a different occupation. If you’re a physician or dentist, your occupation can mean a specific, professionally recognized specialty or subspecialty. Because of slick marketing from…