Own Occupation Disability Insurance (Specialty Specific or Regular Occupation) provides a definition of “Total Disability” in which you are eligible to receive your “full” benefit if a sickness or injury prevents you from working in your “Regular Occupation.” You will still be considered “Totally Disabled” and eligible to receive your “full” benefit even if you elect to work in another occupation, regardless of the income you earn.
Normally, in order to purchase any amount of Own Specialty Disability Insurance, you would need to complete an in-person medical exam. As a result of the COVID-19 quarantine and social distancing restrictions, Certain Own Specialty Insurance Carriers are now allowing you to temporarily purchase an Own Specialty Disability Insurance without the need for a medical exam.