They’re two ways a policy can define being disabled. Own occupation pays if you can’t do the main duties of your own job, even if you could work in another one. Any occupation pays only if you can’t do any job you’re reasonably suited to by education, training or experience, which is harder to qualify for.
Some policies use own occupation for the first two years of a claim, then switch to any occupation. Own occupation coverage usually costs more, and it isn’t available for every job. We’ll explain which definition a policy uses and what it would mean for your work.