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Own-Occupation vs Any-Occupation Comparison
Weigh the premium difference against the broader protection of own-occ coverage.
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Expected value of own-occ coverage
$740/year
Extra annual premium-$700
Expected extra benefit (annualized)$1,440
Own-occ pays if you can't perform your specialty, even if you could work elsewhere. Specialists with high earning potential often find the extra premium worthwhile.
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