A&S Disability Income Insurance question: full-time teaching post at a medical school

A&SDisability Income Insurance

Dr. Haddad, 52, a cardiac surgeon in Halifax, develops a tremor and can no longer operate. His individual disability policy uses a 'regular occupation' definition: he is totally disabled if he cannot perform his regular occupation and is not working in any other occupation. He decides to accept a full-time teaching post at a medical school. What happens to his benefits?

A Full benefits continue as under own occupation
B Benefits stop while he works elsewhere
C Benefits double to cover lost surgical income
D Benefits continue only on his teaching days

Show the answer and explanation

Answer: B. Benefits stop while he works elsewhere

A regular-occupation definition (sometimes called modified own occupation) pays when the insured cannot do his regular occupation and is not gainfully working in another one. By choosing to teach full time, he no longer meets the definition, although a residual benefit may apply depending on the contract. Source: standard Canadian individual disability contract wording (industry practice, as at 12 Oct 2026); CISRO LLQP Curriculum (May 2015), Accident and Sickness module, component 2 (types of contracts and riders) (as at 12 Oct 2026).

Common mistake

Confusing regular occupation with true own occupation.

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Original study material mapped to the public CISRO curriculum; not a real test question.Not affiliated with CISRO, CCIR or any provincial insurance regulator. Verify figures and rules against current guidance before relying on them.