Library wiki
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.
Where it is defined
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Glossary
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.