Sarah has an 'Own Occupation' disability insurance policy. She works as a specialized surgeon and due to a hand injury, she can no longer perform surgery. However, she could still work as a medical consultant, which pays significantly less. Under her current policy, is Sarah considered totally disabled?

Question: Sarah has an 'Own Occupation' disability insurance policy. She works as a specialized surgeon and due to a hand injury, she can no longer perform surgery. However, she could still work as a medical consultant, which pays significantly less. Under her current policy, is Sarah considered totally disabled?

Answer options: ✅ Yes, because she cannot perform the material and substantial duties of her specific occupation as a surgeon.

• No, because she is still capable of working in another medical field.
• Only if her income as a consultant falls below 50% of her surgeon's income.
• Only if her employer terminates her employment as a surgeon.

Correct answer: Yes, because she cannot perform the material and substantial duties of her specific occupation as a surgeon.

Explanation: An 'Own Occupation' definition of disability considers an individual totally disabled if they cannot perform the material and substantial duties of their specific occupation, even if they could work in a different job.