Own Occupation rider

The Own Occupation rider means that if you become totally disabled, you will be considered disabled in your regular occupation (i.e., your occupation as of the date of your disability) even if you return to work performing different duties or find work in another occupation.

How do we define disability?

Total disability (as defined under the rider) means that you:

  • Are unable, due to sickness or injury, to perform the essential duties of your regular occupation.
  • Are under the regular care of a physician.
  • May be gainfully employed in an occupation other than your regular occupation.

The definition of total disability without the Own Occupation Rider is the same except that it does not allow you to collect full benefits while engaged in another gainful occupation. In this case, residual disability benefits would be payable based on your percentage loss of income as opposed to full benefits being paid.

Do I need it?

If you are not able to engage in your regular occupation due to total disability, how likely are you to engage in another occupation? If your answer is “not likely,” then you probably do not need the Own Occupation rider.

The following table illustrates how a claim would be paid with and without the Own Occupation rider:
Table: Base plan with and without the Own Occupation rider

How much will it cost?

The Own Occupation rider costs 20% of the base plan premium. Please contact an insurance advisor for more information. 

Contact us

Northern Alberta

Southern Alberta

Kelly J. Guest

Kelly Guest EPC, CHS
Insurance Advisor
ADIUM Insurance Services
12230 106 Ave. NW
Edmonton AB T5N 3Z1
T 780.482.0306
Email Kelly Guest

Mona Yam

Mona Yam, CFP®, CLU, CHS, B.Comm, BA
Insurance Advisor
ADIUM Insurance Services
350 708 11 Ave SW
Calgary AB T2R 0E4
T 403.205.2088
Email Mona Yam

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