Examples of Own Occupation in a sentence
The Group Policy lists both Northwest and Duda PC as “Employers.” (STND 627)).The Group Policy’s Own Occupation Definition of Disability is as follows:During the Benefit Waiting Period and the Own Occupation Period you are required to be Disabled only from your Own Occupation.You are Disabled from your Own Occupation if, as a result of Physical Disease, Injury, Pregnancy or Mental Disorder, you are unable to perform with reasonable continuity the Material Duties of your Own Occupation.(STND 631).
Mr. Picco’s letter explained:[I]n determining your Own Occupation, we were not limited in our review to how you perform your particular job at Northwest Orthopaedic Specialists or your other associated entities, nor are we limited in our review to a preference or particular concentration of procedures you prefer to perform within your occupational specialty.
Thedefinition of Own Occupation is therefore an objective standard derived from Dr. Duda’s subjective responsibilities in practice.To evaluate Dr. Duda’s claim, Standard analyzed his actual responsibilities by looking at his regular and ordinary employment with Northwest and its “other associated entities.” (STND 402-03).
Per the terms of the Group Policy, Standard was entitled to look at the general character of Dr. Duda’s actual responsibilities and then to determine Dr. Duda’s Own Occupation by considering a profession involving the essential tasks and skills of the same general character as Dr. Duda’s regular and ordinary employment.
Dr. Duda argues that Standard abused its discretion by adopting an overly broad definition of Own Occupation, citing Lasser’s holding that the material duties of one’s regular occupation are those tasks that the insured actually performed before the onset of disability.