How is disability defined in insurance terms?

In insurance terms, disability is defined as the inability to perform one's own job or any occupation. This definition captures the broader scope of what constitutes disability and encompasses both specific and general capabilities. Under this definition, if an individual is unable to carry out the essential duties of their own job due to a medical condition, they may qualify for disability benefits. Furthermore, if that person is also unable to take on any form of employment that would be suitable given their skills and experience, they are recognized as being disabled as well.

The other choices provide narrower or less comprehensive definitions. Some specify a temporary or fixed period of incapacity, which does not align with how disabilities are assessed for ongoing benefits. Others limit the definition to the inability to perform any job, which does not take into consideration individuals who may be unable to perform their specific job but could still work in a different capacity. Thus, the correct definition acknowledges both the specific challenges of the individual’s job and the broader job market.