He Thought He Was Fully Insured... The Definition Of Total Disability Proved Otherwise.
Most Disability policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Dr. Chen's "Any Occupation" Denial*
Dr. Alistair Chen, a world-class neurosurgeon earning $800,000 annually , was forced out of surgery by a progressive tremor. He applied for benefits, but the insurer denied the claim. They argued his policy's "Total Disability" definition was ‘Any Occupation’—meaning he could still work as a hospital administrator or medical consultant for $150,000.
Potential Denial (The Ambiguity):
His policy didn’t define Total Disability as "unable to do my actual job" —just any job fitting his credentials.
Risk Identified by My Policy Advocate:
Expanded Definition of Disability (Any Occupation) excludes virtually all white-collar professionals.
Policy Language:
“Total Disability means… unable to perform the material and substantial duties of any gainful occupation for which you are… reasonably fitted by education, training or experience.”
Discovery by Clara, our Ai Assistant:
Clara identifies the specific disability definition (‘Own Occupation’ vs. ‘Any Occupation’) and flags any 'Any Occupation' language for professionals whose income is tied to a specific specialty.
Questions to Ask Your Agent:
- Does my policy define Total Disability as inability to perform my current medical specialty, regardless of other occupations?
- Is a true ‘Own Occupation’ rider available?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
Why My Policy Advocate
We Read Every Line So You Don’t Have To.
- Upload your policies (PDFs or insurer downloads).
- Our AI assistant, Clara, analyzes every line for outdated limits, exclusions, or risky endorsements.
- You get a clear summary and renewal reminders that help prevent coverage gaps.
Trusted. Secure. Independent.
- 100% Satisfaction Guaranteed — or your money back.
- Secure data storage on Google Cloud (never sold or shared).
- Supported by independent advocates — not insurance companies.
Your Membership Helps Others, Too.
Each month, My Policy Advocate™ donates $100,000 to disaster-impacted communities. Members vote on where funds go — because true advocacy means Paying it Forward.
Don’t Wait for a Claim to Discover the Truth.
Join thousands of members who are taking control of their coverage and protecting what matters most.
For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
© My Policy Advocate 2025
