OWN-Occupation Coverage
"Own occ" coverage from PFS pays you benefits when you suffer any disability that precludes you from performing the major duties of your specific occupation or profession, regardless of your ability to perform any other job. Due to its specificity, this is the most desirable form of disability insurance for high-income professionals. Additionally, our PRO Plus Disability Insurance provides a range of benefits far beyond what standard policies can offer.
ANY Occupation Coverage
Traditional "any occ" disability policies pay benefits only if you are unable to perform any job, whether it is related to your current occupation or not. PFS does not offer this type of insurance.
