Any Occupation - Forced labour?

[jammer]

I assume this is to buy your own insurance to supplement your group insurance.

@David_Brannen

Many insurers vastly overstate what is required to qualify for disability benefits on the “any occupation” standard. This does not mean if you can rip tickets at the cineplex then you don’t qualify. There is a very nuanced assessment that takes place that takes into account your age, work experience, etc. In many cases there is no practical difference between the own occupation and any occupation standards. Don’t give up and seek advice from a lawyer experienced in disability insurance claims. We would be happy to discuss with you in private.

You will also probably get a high CPP-D.
I wouldn’t get “own occupation” coverage but maybe you need it to maintain your current lifestyle.
Just my opinion.