Which clause defines total disability as being unable to perform the major duties of the insured's regular occupation?

The own occupation clause specifically defines total disability in terms of the insured's inability to perform the major duties of their specific occupation. This type of clause is designed to provide benefits to individuals who are unable to work in their regular profession due to a disability, regardless of their ability to perform other types of work.

This is particularly beneficial for professionals who may be highly specialized in their field, as it recognizes that their inability to carry out the major responsibilities of their own job constitutes total disability. The focus is on the individual’s original occupation rather than any alternative employment they might be capable of undertaking.

In contrast, the other clauses focus on different aspects of disability. For instance, the any occupation clause typically stipulates that total disability applies only if the insured cannot perform any job for which they are reasonably qualified, which can be a more stringent standard compared to the own occupation clause. The residual disability clause offers benefits when the insured is not totally disabled but still suffers a loss of income due to a disability. The functional capacity clause relates more to physical abilities rather than occupational duties.