The most common definition of disability in group insurance long-term disability plans. Benefits will be paid for the period stated (usually up to two years) if the insured employee is unable to perform the duties of his regular occupation. After the period of ‘regular occupation' coverage specified in the policy the definition will change to ‘any occupation.'
Occupation routinely performed when a disability begins.
Not to be confused with "own occupation," regular occupation will pay benefits if the insured cannot work in their occupation, but benefits will be offset if insured earns money in another occupation or job.
Your occupation at the time you become disabled. If you are regularly engaged in more than one occupation, all of your occupations at the time the disability starts will be combined together to be your regular occupation. The definition is not restricted to a specific company or industry.
Your occupation at the time Disability begins. If you have limited your practice to a professionally recognized specialty in medicine or law, the specialty will be deemed to be your Regular Occupation.