Any Occupation
A provision in disability insurance policies that defines disability as the inability to perform the duties of any occupation for which you are reasonably suited based on education, training, and experience.
Detailed Explanation
Any occupation is a stricter definition of disability than own occupation coverage. Under this provision, you only qualify as disabled if you cannot work in any job that matches your qualifications. Many policies include language that the alternative occupation must provide a reasonable income relative to your pre-disability earnings (often defined as 60-80% of previous income). Some long-term disability policies start with own occupation coverage for an initial period (typically 2 years) before transitioning to any occupation criteria for continued benefits.
Practical Example
Mark, an accountant earning $90,000 annually, suffered a severe back injury. During the first two years, his policy used an own occupation definition, and he received benefits because he couldn't work as an accountant. After that period, the policy switched to any occupation criteria. Since he could work as a financial advisor with his qualifications at a similar income level, he no longer qualified for disability benefits.
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