Question

In which of the following cases would an "any occupation" disability income policy pay the benefits?

A) The insured can no longer perform their current job duties
B) The insured is unable to work in any occupation for which they are suited
C) The insured is temporarily unable to work due to an accident
D) The insured is diagnosed with a specific medical condition

Answer 1

An 'any occupation' disability income policy pays benefits if the insured is unable to work in any suitable job due to disability, not just their current occupation.

Step-by-step explanation:

An "any occupation" disability income policy would pay benefits in the case where the insured is unable to work in any occupation for which they are suited, due to a disability. This means that the person is not just unable to perform their current job duties, but is unable to engage in any job that fits their education, experience, and skill set due to their disability. If the disability prevents the insured from performing any suitable work, then the policy will typically pay out, assuming all other conditions of the policy are met.