In disability income policies, what does the term 'any occupation' typically refer to?

• A. The policy defines disability as the inability to perform the duties of the own occupation only.
• B. The policy may define disability as the inability to perform the duties of the own occupation or any occupation as defined in the policy; definitions vary.
• C. Disability is defined solely by age.
• D. Disability is determined by the insurer's discretion with no policy definition.

Answer: (B)