What is the difference between "own occupation" and "any occupation" tests?

April 03, 2025

Every long-term disability insurance policy is different in certain respects. Most policies require that you satisfy the requirements of the “own occupation” test in order to qualify for the first stage of benefits.

This stage usually extends over one or two years. You will satisfy the occupation test if you cannot perform most of the essential tasks of your regular job, and there is sufficient medical evidence to support your claim in that regard.

After one or two years, the test to qualify for long-term benefits usually changes, and the requirements to satisfy this stage of benefits will depend on the particular policy. Insurance companies call this the “any occupation” test.

You may still receive benefits if you can prove, with sufficient medical evidence, not only that you cannot do your own job but also any other job for which you might be suitable by reason of your education, training, or experience.

It is not uncommon for claimants to lose their benefits when the policy changes from the "own occupation" to "any occupation” stage. It is essential to speak to a lawyer as soon as you receive notification for your disability insurer that your benefits are being terminated because you do not satisfy the requirements under the “any occupation” provisions of your policy.

What is the difference between "own occupation" and "any occupation" tests?

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