The definition of disability is one of the most consequential terms in any disability policy. Own-occupation definitions — the strongest available — pay benefits if you cannot perform the material duties of your specific job or medical specialty, even if you could work in another capacity. Any-occupation definitions are more restrictive, requiring that you be unable to work in any occupation for which you are reasonably qualified by education, training, or experience. High-income professionals — physicians, attorneys, executives — should prioritize true own-occupation coverage.