Suppose Janet,a skilled neurosurgeon,became unable to perform surgery because of severe arthritis.Which of the following is true?
A)If Janet has a disability policy with an "own occupation" definition of disability, she will probably collect some benefits.
B)If Janet has a disability policy with 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 Janet has a disability policy with an "any occupation for which reasonably 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)If Janet has a disability policy with a presumptive disability clause for loss of hands, she will probably collect some benefits.
E)Both a and c are true.

Question

Suppose Janet,a skilled neurosurgeon,became unable to perform surgery because of severe arthritis.Which of the following is true?
A)If Janet has a disability policy with an "own occupation" definition of disability, she will probably collect some benefits.
B)If Janet has a disability policy with 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 Janet has a disability policy with an "any occupation for which reasonably 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)If Janet has a disability policy with a presumptive disability clause for loss of hands, she will probably collect some benefits.
E)​Both a and c are true.

Quizplus · Accepted Answer

If Janet has a disability policy with an "own occupation" definition of disability, she will probably collect some benefits because this type of policy defines disability as the inability to perform the specific occupation that the policyholder was engaged in prior to becoming disabled.

If Janet has a disability policy with an "any occupation for which reasonably 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. This means the insurer will consider other jobs that Janet could reasonably do with her skills, education, and experience, rather than just her ability to perform her own occupation.

Therefore, both options A and C are correct.

Suppose Janet,a Skilled Neurosurgeon,became Unable to Perform Surgery Because of Severe