Story at-a-glance Own-occupation coverage may pay benefits if you can’t do your specific medical specialty—even if you work in another role.Doctors need this protection because your income depends on specialized skills.It offers flexibility—you can pivot to teaching or consulting and still get

Story at-a-glance Not all own-occupation policies are the same—definitions vary in how disability is determined and whether you can work elsewhere while collecting benefits.True own occupation lets you collect benefits even if you work in a different job—ideal for physicians.Specialty-specific

Story at-a-glance Disability can strike anytime, and most group policies don’t offer enough coverage.Own-occupation disability insurance protects your income if you can’t do your specific job—even if you work elsewhere.To choose the right coverage, calculate your monthly income × average