How strictly do disability policies define own occupation versus any occupation during the first two years of a claim for a recent graduate?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How strictly do disability policies define own occupation versus any occupation during the first two years of a claim for a recent graduate?
3 real searches · 1 real-search pass
individual disability insurance own occupation any occupation definition first 24 months claim policy wording recent graduate student occupationGoogle ↗
OBSERVEDDefinition
group long term disability own occupation any occupation 24 months definition gainful occupation education training experience policyGoogle ↗
OBSERVEDDefinition
NAIC disability income insurance own occupation any occupation policy definitionGoogle ↗
OBSERVEDDefinition
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
individual disability insurance own occupation any occupation definition first 24 months claim policy wording recent graduate student occupation Google ↗
group long term disability own occupation any occupation 24 months definition gainful occupation education training experience policy Google ↗
NAIC disability income insurance own occupation any occupation policy definition Google ↗
- Evaluating a disability policy · ama-assn.org
- Group Long Term Disability Insurance · standard.com
- How Long-Term Disability Providers Define Gainful Occupation · nolo.com
- Long-term disability insurance · hca.wa.gov
- GuideStone — What does 2 or 3 years' own occupation mean as it applies to disability insurance? · help.guidestone.org
- OGC Opinion No. 03-05-19: Group Disability Income Policy, Definition of Disability · dfs.ny.gov
- Disability Claim Policies & Procedures · newyorklife.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
individual disability insurance own occupation any occupation definition first 24 months claim policy wording recent graduate student occupation OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 | |
group long term disability own occupation any occupation 24 months definition gainful occupation education training experience policy OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 | |
NAIC disability income insurance own occupation any occupation policy definition OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 |