What Is Occupational Disability Insurance? 
Occupation Disability Insurance is usually defined as `` own '' occupation or `` any `` occupation . I can only provide you with a general understanding since the wording is specific to each policy . A policy could define disability as not being able to perform the duties of `` any '' occupation based on your education , training or experience . An `` own '' occupation definition means you unable to perform the main duties of your occupation . This means that you will be paid disability benefits even if you are working and being paid to do something else . For example a surgeon can not perform surgery , but can work as a doctor . Some policies provide own occupation protection for 2 years or 5 years while others provide coverage to age 65 If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 