Own-occupation / Initial Period test noted
Own-occupation cover during the Initial Period tests incapacity against your actual insured occupation. Readiness means the policy test is identified, your occupation is described beyond a generic title, and you understand when the standard may shift to any-occupation in the Extended Period.
Checklist item
Own-occupation / Initial Period test noted
Evidence the workspace should capture
Policy disability clause, occupation profile, Initial/Extended Period dates from schedule.
Language map
Related terms — how this check connects to everyday, medical, functional, and policy language.