1. Disability income coverage generally coordinates with workers compensation so the insured does not:

Collect duplicate benefits exceeding the income being replaced

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

2. 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.

3. 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.

4. Residual disability benefits are based on:

The proportion of income lost when the insured returns to work part-time

Residual benefits pay a portion of the benefit proportional to the income loss when the insured works at reduced capacity.