What does it mean to be insured in my occupation?
Disability policies have a clause that says whether or not they are going to insure you in your own occupation, in your speciality. Now, there are lots of types of doctors. There is a speciality physician doctor; we are talking about cardiologists, surgeons, internists, dermatologists, psychiatrists; let's take a plastic surgeon. They don't make their money from diagnosing problems like an internist does. Let's say that a plastic surgeon has an injury to his right hand, and that's his main hand. He now finds out that he cannot do surgery any more. His income might have gone from $700,000 to nothing over night. That's because he can no longer practice as a plastic surgeon. So, a policy that has its own occupational definition says "If you can't do your speciality, doctor, as a plastic surgeon we still consider you as if you're disabled. Even if you become an internist or open up a grocery store, or you become a lawyer or do something else and make tons of money, even more money than you did as a doctor, you would still be eligible for benefits."
