<prompt> Human: Im a software developer and Im looking into getting disability insurance. The advice generally recommends getting an own occupation rider so you can still get benefits even if you are able to work in some other duty but not your current career. I could see how this would make sense for someone who works, say, construction because a disability might relegate them to a desk job that doesnt pay as well.However Im at a bit of a loss as to what kind of disability I could suffer that would not let me sit at a desk typing, but would let me work some kind of other job. It seems like if I had a job that would prevent me from doing development work itd prevent me from doing any other work too, which would make that rider a waste of money. Thoughts?  <response>: Ill imagine it for you. What if you have a brain injury that prevents you from being a competent programmer? You may still be able to flip burgers or bag groceries and without an own occupation rider may not be covered by your disability insurance. 