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Personal occupation incapacity insurance coverage supplies advantages should you’re unable to carry out the duties of your particular job as a consequence of incapacity. For instance, a surgeon who turns into unable to function as a consequence of a hand damage may nonetheless obtain advantages, even when they may carry out different kinds of work.
Any occupation incapacity insurance coverage, alternatively, solely supplies advantages should you’re unable to carry out any job that you just’re moderately fitted to primarily based in your schooling, coaching, and expertise. If the surgeon within the earlier instance may nonetheless work as a basic practitioner or medical advisor, they’d not obtain advantages below this coverage.
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