Any-Occupation Policy

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Definition: Any-Occupation Policy

It is a term used in the insurance industry to define the kind of disability the person has in order to claim insurance benefits. It is a stricter form of ‘own-occupation policy’ and includes an analysis of claimant’s employability.


The insurer checks claimant’s earning power, and analysis of what all occupations that the claimant might be employed in. ‘Any-occupation’ might also include ‘gainful’ occupation which refers to whether the occupant is gainfully employed or not. Gainful occupation generally includes the occupation including self-employment which allows the person to earn at least 60% of the previous earnings.


Such an analysis involves analysis of the claimant’s ability, skill, and education level and is typically done by a vocational expert. In such a cases, court also holds that if the insured person is able to work “any-occupation”, then such a person is not “any-occupation” disabled. Many companies automatically consider certain catastrophic ailments to be a part of the range of disabilities. However, it is the responsibility of the insured person to check whether the policy covers the ailments as a part of ‘any-occupation’ or not.


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