Question

Disability income coverage specifies that the policy covers the insured if he is unable to perform any job for which he is qualified. In this case, total disability is defined as

A) Own-occupation
B) Any-occupation
C) Partial disability
D) Presumptive disability

Answer 1

Total disability as defined by the inability to perform any job for which one is qualified is known as 'Any-occupation' disability in disability income coverage.

Step-by-step explanation:

Disability income coverage that stipulates coverage for the insured if they are unable to perform any job for which they are qualified defines total disability as B) Any-occupation.

This contrasts with Own-occupation disability insurance, which provides benefits if the insured is unable to perform the duties of their specific occupation.

The Americans with Disabilities Act (ADA) prohibits discrimination and ensures equal opportunity for persons with disabilities in employment, which can intersect with how disability insurance policies are utilized and understood.