What are the different definitions of incapacity used to assess a claim?
When taking out a policy you can usually choose which of the following definitions will be used to assess a claim if you become ill. Own Occupation: You will be able to claim if you can no longer do your own job. You will not be expected to seek alternative employment which you could do instead with your illness or injury. Suited Occupation: You will be able to claim if you are unable to perform your own occupation or any other occupation to which you are suited by training, education or experience. Any Occupation: You will only be able to claim if you are unable to perform any occupation. Work Tasks: You will be able to claim if you cannot perform a number of everyday work tasks, such as walking, lifting, reading and hearing. Activities of Daily Living: You will be able to claim if you cannot perform a number of everyday living tasks, such as dressing, washing or using the toilet. Our professional advisers will be able to offer further advice, and search the entire marketplace on your
