Beth has an own-occupation disability income policy and earns part-time income while disabled. What is her ongoing monthly benefit?

• A. $13,000
• B. $17,000
• C. $15,000
• D. Nothing

Answer: (C)

In an own-occupation disability policy, the benefit is paid when you cannot perform the duties of your own occupation, and earnings from other work don’t automatically reduce the benefit unless the policy has an offset or residual rider. Because Beth has an own-occupation policy and there’s no offset described, she continues to receive the full monthly benefit amount regardless of part-time earnings. If the policy’s monthly benefit is 15,000, her ongoing monthly benefit is 15,000. The other figures would only apply if there were an earnings offset or a different benefit structure.