An insured's inability to perform any or all of the duties of their occupation at the time a disability begins is known as

The term "any occupation" refers to a broader scenario where the insured is unable to work in any job for which they are reasonably suited by education, training, or experience. This definition extends beyond the insured's current occupation and encompasses a wider range of potential work opportunities.

"Presumptive occupation" is not a recognized term in disability insurance terminology. This choice does not accurately describe the insured's inability to perform their specific job duties at the time of disability onset.

"Restrictive occupation" does not align with the concept of an insured's inability to perform the duties of their occupation at the onset of a disability. This term does not reflect the specific focus on the insured's own job requirements that "own occupation" entails.