Chartered Retirement Planning Counselor (CRPC) Practice Exam 2025 – Comprehensive All-in-One Guide for Exam Success!

The definition of disability that is considered the most accommodating is "own occupation." This approach evaluates an individual's ability to perform the specific duties required of their particular occupation. If a person is unable to perform the tasks associated with their own job due to a disability, they are deemed disabled.

This definition recognizes the unique skills and responsibilities tied to an individual's specific occupation, which may not be met by a broader or more restrictive definition. For example, someone may be capable of working in a less demanding job but could be unable to perform their specialized role, thus qualifying for disability benefits under this standard.

In contrast, definitions that categorize disability under "any occupation" would require the individual to be completely incapable of working in any job, which can often be a substantial hurdle to qualify for benefits. Definitions such as "partial disability" and "temporary disability" also do not provide the same level of accommodation, as they either imply a reduced capacity for work or a limitation based on time, respectively. The "own occupation" definition is therefore more supportive of those whose disabilities impact their ability to perform their specific job, thus providing a greater safety net.