Own vs Any Occupation Disability
Compare own-occupation and any-occupation cover on benefit and estimated premium.
Your income and benefit numbers stay on this page — never sharedTry: Gross monthly income=5000, Replacement ratio=65, Age=35, Gender=f → $3,250, $145, $68, $77, Own-occ is broader but costs more
How to use
Own-occupation pays if you cannot do your specific job; any-occupation only pays if you cannot work at all. Own costs more but is broader. This page contrasts both.
FAQ
Which is better?
Own-occupation protects specialists and high earners best; any-occupation is cheaper but stricter.
Why the price gap?
Broader definitions pay out more often, so insurers charge more for them.