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At Holden Insurance and Financial we are proud to be members of Advocis. We are also proud to offer comprehensive financial planning and the ability to broker Insurance and Financial Products through many of our various carriers: Canada Life, Manulife Financial, Empire Life, Equitable Life, Great-West Life, Industrial Alliance, RBC Insurance, Sun Life Financial, Ivari (Formerly Transamerica Life), Encon Benefits, Edge Benefits, Foresters Life, Humania Insurance, Hunder McCorquodale, BMO Insurance, Desjardins and Wawanesa Life.

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We proudly offer Comprehensive Financial Planning however we understand that there are times in life that require a quick tweak here and there. We are able to customize the services you require through our engagement process. A specific Engagement enables you to allow our Advisors to address your immediate concerns with a clear understanding of the expectation and relationship between yourself and your Holden Advisor.

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Living Benefits Minute

Occupation Definition & Disability Contracts

Jackie Lively-McKee Canada Life Living Benefits Specialist


What best describes the definition of your occupation according to your disability coverage?


  • Own Occupation
  • Regular Occupation
  • Any Occupation
Own Occupation - Allows the insured to work in another gainful occupation while being totally disabled in his or her own occupation and continue to receive full disability benefits.
Regular Occupation Covers the insured in his or her regular occupation but does not allow the insured to have other gainful occupation.
Any Occupation - The insured is expected to work in any other occupation based on his or her education, training and experience.


Claim Example

A Dentist is on a total disability claim, diagnosed with essential tremors.  After a period of 18 months, the insured wants to start teaching at the University.
Own Occupation - The insured will continue to receive his full disability benefit as well as any salary from the University.
Regular Occupation - When the insured engages in other gainful occupation at the University, his disability benefit will stop.
Any Occupation - The Insured is unlikely to have even qualified to claim.

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