Long Term Disability Policies: OWN OCCUPATION VS. ANY OCCUPATION POLICY 26. July 2016 Administrator Long Term Disability (0) As you became aware when you watched some of the other video blogs dealing with long-term disability policies, policies provided through your employer are treated differently than policy issued purchased individually from an insurance agent. Both employer-provided policies and policies you by yourself are similar in coverage which is provided. An important distinction in coverage is own occupation coverage and any occupation coverage. [More]