When you are a specialist in your field
Every medical professional has completed many years of study and hard work developing their medical career. When you have worked hard to gain experience and knowledge it's worthwhile protecting it. Therefore it is crucial to have an Own Occupation Total Permanent Disablement insurance that covers you should you never be able to work in your own occupation ever again. There are many Total Permanent Disablement policies available which will only pay out if you cannot work in any occupation for which you are reasonably suited. This definition can make it very difficult to make a claim. The definition of Own occupation is that it is unlikely you will ever be able to work in your own specific occupation. This relates to the role & duties that you did prior to becoming total and permanently disabled.
