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Personal occupation incapacity insurance coverage supplies advantages for those who’re unable to carry out the duties of your particular job on account of incapacity. For instance, a surgeon who turns into unable to function on account of a hand harm might nonetheless obtain advantages, even when they may carry out different forms of work.
Any occupation incapacity insurance coverage, however, solely supplies advantages for those who’re unable to carry out any job that you just’re fairly fitted to primarily based in your schooling, coaching, and expertise. If the surgeon within the earlier instance might nonetheless work as a normal practitioner or medical guide, they might not obtain advantages beneath this coverage.
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