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What policies test
Own occupation
Policy test: cannot perform material duties of the job you actually do.
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
ClaimBuddy resources
Cross-links to Clinical Atlas, glossary, traps, and policy terms — hover for a quick summary.
Evidence
Material duties list, functional statement, employer role confirmation
Often mixed with
Cannot perform your actual consulting role even if you could do sedentary admin elsewhere.