Suppose Janet,a skilled neuro-surgeon,became unable to perform surgery because of severe arthritis.Which of the following is NOT true?
A) If Janet has a disability policy with an "own occupation" definition of disability,she will probably collect some benefits.
B) If the policy contains an "own occupation" definition of disability,the insurer will provide coverage only if Janet would not be able to perform another type of job such as teaching or consulting.
C) If the policy contains an "any occupation for which reasonable suited" definition of disability,the insurer will attempt to determine if there is another job for which Janet is suited and is still able to perform.
D) A policy with an "own occupation" definition is generally more expensive than a policy with an "any occupation for which reasonable suited" definition of disability.

Question

Quizplus · Accepted Answer

This statement is not true because if Janet is able to perform another type of job, the insurer will not provide coverage even if she is unable to perform surgery. This is because the "own occupation" definition of disability provides coverage only if the insured is unable to perform the duties of their own occupation, and not any other occupation they may be capable of performing.

Suppose Janet,a Skilled Neuro-Surgeon,became Unable to Perform Surgery Because of Severe