Question

Which of these statements best describes the difference between the "any occupation" and "own occupation" definitions?

A. An own occupation definition is less restrictive because it is easier to qualify for benefits.
B. An any occupation definition is less restrictive because it is harder to qualify for benefits.
C. An any occupation definition is more restrictive because it is easier to qualify for benefits.
D. An own occupation definition is more restrictive because it is harder to qualify for benefits.

Answer 1

The 'own occupation' definition is less restrictive and easier to qualify for benefits since it only requires the individual to be unable to perform their specific job. Hence, option (A) is correct.

Step-by-step explanation:

The difference between the "any occupation" and "own occupation" definitions lies in the conditions required for someone to qualify for disability benefits. A statement accurately reflects these differences: An own occupation definition is less restrictive because it is easier to qualify for benefits. Under an own occupation definition, an individual can receive benefits if they are unable to perform the duties of their specific job.

In contrast, an any occupation definition requires that the individual be unable to perform the duties of any job that they are reasonably suited for by education, experience, and age, which makes it more restrictive and more difficult to qualify for benefits.