What is the relevant occupation?
Insurers assess incapacity against your insured occupation as actually performed: contract terms, job description, utilisation, client obligations, supervision duties, site travel, safety responsibilities, and sustained cognitive load. A narrow title-based assessment is a common reason own-occupation cover fails.
Purpose
Define the actual role — not a generic title.
Evidence the workspace should capture
Job spec, contract, performance reviews, organogram, client roster, ESCO or confirmed occupation profile.
Language map
Related terms — how this question connects to everyday, medical, functional, and policy language.