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The Difference Between "Own-Occupation" and 
"Any Occupation" Disability Insurance

Own-Occupation Disability Insurance VS. Any Occupation

The language in disability policies varies greatly from company to company, and each policy must be reviewed separately to determine the insured’s rights under the policy.  Generally speaking, though, an “own-occupation” policy will define “total disability” as a condition that prevents the insured from performing the substantial and material duties of his or her regular occupation, while an “any-occupation policy” will simply define “total disability” as being unable to work in any occupation.

 

“Own occupation” policies provide coverage if the insured become unable to perform the substantial and material duties of your specific occupation, even if you are still able to work in another occupation.  Under some policies, particularly for dentists and physicians, the insured’s occupation is further defined as the insured’s specialty.

 Therefore, a surgical cardiologist who develops a tremor may be considered totally disabled if he or she is unable to perform surgery, yet is still able to practice diagnostic medicine.

 

An “any occupation” policy, by contrast, only provides total disability benefits if the insured is unable to work in any occupation.  Many courts have qualified these policies to require the insurer to pay benefits if the insured is unable to perform any occupation for which he or she is suited by education, experience and training.

Care must be taken with some policies that may appear to be “own-occupation” policies, but which really function more like “any-occupation” policies.  These so-called “occupational policies” will define “total disability” as the insured being unable to perform “all duties” or “every duty” pertaining to the insured’s occupation.  In these cases, the insurer will often look at each duty the insured perform, then determine whether a comparable occupation exists in which that duty is performed, and deny benefits based on the insured’s ability to perform that comparable occupation.

 

Since disability policies vary greatly, and since the law governing those policies varies greatly from state to state, an insured with questions about coverage under a particular policy should contact an attorney.

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Many have questions when it comes to insurance, especially disability insurance. We've compiled answers to the most common questions we've received over the past 19 years of business.

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FAQ

How long will I have my Dumpster before it is picked back up?


All Birmingham dumpster rentals are for 10 days. If you need to keep it longer you can do so for $10 for each additional day.




What if I go over the weight capacity?


There is a charge of $30 for each ton over the capacity of the Dumpster size you order. The capacity for the 10 yard dumpster is 2 tons and the 15 yard dumpster capacity is 3 tons.




Are there any other fees associated with a Dumpster order?


No. As long as your Dumpster is picked up within the 10 day window and does not exceed the weight limit there will be no additional charges or fees.




Can I receive my Dumpster the same day that I order it?


Yes. As long as you order your Birmingham dumpster rental before 11:00 am, your container will be delivered on that same day. Orders after 11:00 am will be delivered on the next operating day.




Do I need to be home for Dumpster delivery or pickup?


No. In most cases the driver will notify you that the Dumpster will be dropped off/picked up, but no one needs to be at your property for this to happen.




What size Dumpster do I need?


10 yard Dumpsters are best for cleaning out your house or for bathroom remodels. Mostly smaller jobs that can be defined to one room. 15 yard Dumpsters are our most common size and work for any remodel or construction job.




Is there anything I can't put in my Dumpster?


No hazardous materials such as paints, chemicals and gas are permitted in the Dumpsters. Other materials such as tires and appliances are also not permitted. Concrete is only permitted in our 10 yard Dumpsters and only in small quantities. Too much concrete can drive the weight up significantly and cause the weight capacity to be exceeded far before the Dumpster is full.





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