True Own Occupation disability coverage is the most popular among dentists. If you are unable to perform the duties of your occupation due to an illness or injury but are able to perform the duties of another occupation, not dentistry, you will still be able to collect you disability benefit. You can be employed in any other occupation outside of defined occupation on your application. An example of true own occupation is not being able to perform chairside dentistry but being able to teach at a dental school. Because you have true own occupation disability insurance you are able to collect both incomes.
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