Direct answer
It depends on whether your policy includes an ‘own occupation’ definition, which pays benefits if you cannot perform your specific job, versus an ‘any occupation’ definition, which only pays if you are unable to perform any gainful employment.
Disability insurance contract language guidelines distinguishing between own-occupation and any-occupation definitions.
What this means for you
It depends on whether your policy includes an ‘own occupation’ definition, which pays benefits if you cannot perform your specific job, versus an ‘any occupation’ definition, which only pays if you are unable to perform any gainful employment.
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