1. A disability income policy using an 'any occupation' definition of total disability is generally:

Stricter, paying only if the insured cannot work in any suitable job

An any-occupation definition is stricter, requiring inability to work in any job for which the insured is suited, making benefits harder to qualify for.

2. Insurers limit individual disability income benefits to a percentage of earned income mainly to:

Reduce malingering and keep an incentive to return to work

Capping benefits below full income reduces moral hazard and preserves the insured's incentive to return to work.

3. The waiver of premium feature in a disability income policy means that during a covered disability:

The insured need not pay premiums while disabled

While the insured is disabled and receiving benefits, the waiver of premium feature keeps the policy in force without premium payments.

4. A nonoccupational disability policy covers disabilities that:

Occur off the job, since on-the-job injuries fall under workers' compensation

Nonoccupational coverage applies to off-the-job disabilities, because on-the-job injuries are handled by workers' compensation.