Just because you have a disability that prevents you from working on your original job should not hinder your opportunity to work otherwise. In fact, people today choose to fight their disability in one way or another by working rather than sit idly at home and collect checks. The kind of insurance that honors their self independence is what we know today as own occupation disability insurance. This insurance allows a disabled person to work in any other capacity even while they are disabled to be able to do their original job. In other words, this insurance scheme does not penalize a person for being disabled and not able to do his or her original job work. This is a necessary insurance scheme especially for those who are not completely disabled and are able to take up alternate jobs to make best use of their time. Getting an own occupation disability insurance is a must. It is vital to protect your most important asset - your ability to earn an income. Disability income insurance will pay a benefit to a person that cannot work as a result of their disability.
Sep 03