In disability income insurance, what is the difference between 'own occupation' and 'any occupation' definitions?

• A. Any occupation requires inability to work in any job.
• B. Own occupation pays if the insured cannot perform their own job.
• C. The policy pays for both own and any occupation, depending on the definition.
• D. Own occupation pays if the insured cannot perform their own job; any occupation requires the insured to be unable to work in any job.

Answer: (D)