Michael, a 45-year-old self-employed architect, is evaluating disability insurance policies. He is concerned about his ability to perform his specific job duties if he becomes disabled. Which definition of disability would be most appropriate for Michael?

Question: Michael, a 45-year-old self-employed architect, is evaluating disability insurance policies. He is concerned about his ability to perform his specific job duties if he becomes disabled. Which definition of disability would be most appropriate for Michael?

Answer options: ✅ Own occupation disability

• Any occupation disability
• Regular occupation disability
• Modified own occupation disability

Correct answer: Own occupation disability

Explanation: Own occupation disability is most appropriate for a self-employed architect like Michael because it pays benefits if he cannot perform the material and substantial duties of his specific profession, even if he could perform another occupation, thus protecting his specialized income stream.