Question

Kim is insured under a disability income insurance policy with an "own-occupation" clause. She was recently injured in an automobile accident and can no longer perform the tasks of her job. Kim is now considered to be: totally disabled.

- A) True
- B) False

Answer 1

Kim would generally be considered totally disabled under her insurance policy with an 'own-occupation' clause because she can no longer perform the tasks of her job due to an injury, which is consistent with the typical interpretation of such clauses.

Step-by-step explanation:

The question pertains to whether Kim is considered to be totally disabled under her disability income insurance policy with an 'own-occupation' clause. This type of clause typically means that if the insured cannot perform the duties of their specific occupation due to an injury or illness, they are considered totally disabled, even if they might be able to work in another capacity.

Since Kim can no longer perform the tasks of her job due to an injury from an automobile accident, under the own-occupation clause, it is true that she would be considered totally disabled. It is important to note that some policies have specific limitations and definitions regarding what constitutes total disability, which can be narrowly interpreted by courts to exclude certain conditions. However, based on the information provided, Kim would generally qualify as totally disabled under her policy's own-occupation clause.