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What policies test

Own occupation

Policy test: cannot perform material duties of the job you actually do.

Language: What policies test Claim ladder: Step 4 Use: understand · distinguish · evidence

Ladder step 4: What the policy pays on — Which policy test applies at your claim stage?

This is

  • Usually applies in Initial Period
  • Needs real duty evidence, not generic title

This is not

  • Any job you could theoretically do
  • A medical impairment percentage
Policy angle — Extended Period may shift to any/suitable occupation — track when the test changes.

ClaimBuddy resources

Cross-links to Clinical Atlas, glossary, traps, and policy terms — hover for a quick summary.

Glossary Policy traps Policy terms

Evidence

Material duties list, functional statement, employer role confirmation

Often mixed with

Material duties Suitable occupation
Cannot perform your actual consulting role even if you could do sedentary admin elsewhere.