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.