What should Sam expect based on his disability policy?

Sam should expect full benefits until he can return to work or work in another suitable occupation, which aligns with many disability policies that focus on the individual's ability to engage in any occupation they are suited for given their skills and experience, rather than just their previous job.

This aspect of the policy highlights the provision known as "any occupation" coverage, which ensures that if a policyholder is unable to perform the specific duties of their usual profession due to a disability, they may still qualify for benefits if they are also unable to pursue other types of gainful employment for which they are reasonably qualified. The idea is to support individuals not just in their recovery, but in their overall employability in the workforce, thus offering a broader safety net than simply covering them until they can return to their old job.

The options suggesting that benefits are full until specific health conditions are met or for a limited time, such as two years, limit the conditions under which benefits are paid and do not capture the ongoing nature of support that many comprehensive disability policies intend to provide. Therefore, the expectation of receiving benefits until the individual can return to any suitable work reflects a more comprehensive understanding of how these policies typically operate in practice.