What are the common DI definitions and how do they play out?

I think there's a couple of what I'll call policy definitions and policy language that are important to just know at a high level and understand the importance of them.

The first one is any occupation versus own occupation.

Some contracts out there, which we try to typically avoid, say if you can perform any occupation which you're reasonably suited to based off of your education and training, then you won't be eligible for benefits.

We try to avoid those policies.

However, in most of the contracts that we look at, it protects your own occupation.

So what are your specific duties? So if you think about someone is...

Now, what are the most common objections around disability insurance claims and how do you address them?