What does it mean to be totally disabled from the “regular occupation”? 

Is “regular occupation” defined as the duties the claimant is actually doing in his or her specific job?  NO.

Each claim should be assessed from the perspective of duties of the job generally in the national economy and not how the job

You know that employer disability policies define “disability” as the inability to perform each of the material duties of the employee’s “regular occupation.”

But what happens when the policy does not define the term “regular occupation”?

And…what if the employer’s job description is different from the Dictionary of Occupational Titles, which provides a