Commission for Case Manager Certification (CCMC) Practice Exam 2026 - Free Case Manager Certification Practice Questions and Study Guide

Disability insurance is intricately linked to an individual's occupation, and the correct answer indicates that this type of insurance can be structured in terms of "own occupation" or "any occupation." This means that the policy can provide benefits depending on whether the insured is unable to perform the duties of their specific job (own occupation) or whether they can still engage in any form of employment (any occupation).

When a policy is based on one's own occupation, it means that if the individual is unable to perform the tasks required by their specific role due to a disability, they may receive benefits. Conversely, a policy based on any occupation typically requires the insured to be unable to perform work of any kind, which may present a higher threshold for benefit eligibility compared to own occupation policies.

This distinction is significant because it aligns the terms of disability insurance directly with the nature of employment and the specific skills and responsibilities tied to that employment. It highlights the understanding that disability insurance is tailored to the insured’s work context, providing varying levels of support based on the insured’s professional circumstances.

Understanding this structure is essential for choosing the right disability insurance plan, as it can significantly impact the benefits received and the individual's financial security in the event of a disability.