1. Disability income coverage generally coordinates with other benefits so the insured does not:

Collect duplicate benefits exceeding the income being replaced

Coordination prevents the insured from collecting combined benefits exceeding the income loss being replaced.

2. A probationary or waiting period in a disability income policy:

Is a time after issue during which certain conditions are not covered

A probationary period delays coverage for specified conditions for a stated time after the policy is issued.

3. An 'own occupation' definition of total disability pays benefits when the insured cannot perform:

The duties of their own regular occupation

Own-occupation (the more liberal definition) pays if the insured cannot perform their own occupation's duties.

4. An 'any occupation' definition of total disability is more restrictive because it pays only when the insured:

Cannot perform any job for which they are reasonably suited by education, training, or experience

Any-occupation pays only if the insured cannot work in any job suited to their education, training, or experience.