What Is the Main Advantage of Purchasing the "Own Occupation

What is the main advantage of purchasing the "own occupation" disability income coverage?

A) It is the least expensive coverage that continues until age 65.
B) It provides benefits if you cannot perform the duties of your profession and are not earning income elsewhere.
C) It allows individuals to work in another career and still collect their benefits.
D) It provides benefits if you cannot perform the duties of any job that fits your education and experience.