Standard own occupation policies provide benefits when the insured is unable to perform any duties of her or his occupation because of

Termination refers to the ending of an employment relationship, which is distinct from the inability to work due to sickness or accident. Standard own occupation policies do not provide benefits in the event of termination unless it directly relates to a covered disability that prevents the insured from performing their job duties.

The employer's recommendation does not typically play a role in determining eligibility for benefits under standard own occupation policies. The focus is on the insured's actual inability to perform the duties of their occupation due to sickness or accident, rather than any recommendation made by the employer.

While an injury at work may lead to a disability that affects the insured's ability to work, standard own occupation policies cover disabilities resulting from sickness or accident, regardless of where the injury occurred. The key factor is the impact on the insured's ability to carry out the duties of their specific occupation.