What is an own-occupation policy?
One term you’ll see a lot when looking into insurance for medical professionals is own-occupation policy. This type of policy allows you to collect disability insurance even if you can still get a job outside of the field you trained for. In other words, you don’t have to be considered 100% disabled to benefit from it.
Physicians may find this type of disability policy useful because it replaces lost income that would be difficult to make in another profession while still allowing you to work outside of your original occupation.