Common in group disability policies, the any occupation disability definition means that a claimant must be disabled from performing any reasonable profession based on their age, education, and experience. Disability companies like to seize on the small aspects of an individual’s profession when their company presents the job description and show that the claimant can perform duties similar to theirs, even if the duties are not that similar.
For example, a claimant that was an executive in charge of communications may simply be referred to as a communications specialist, when the claimant actually had multiple communications specialists working for them. While they may be able to complete the basic job, the training and experience of the claimant puts them in a class above a basic communications manager, leaving them considered totally disabled.
This is why it is important to have a thorough and complete job description available to the insurance companies when they initially evaluate your claim. The duties of your profession need to be laid out in a way to show how your specific disability prevents you from performing specific tasks at your job. A good job description and a solid medical record are an almost impenetrable defense against the insurance companies and hold up well in a disability claim appeal.