An insurance claim of an insured under a disability income insurance policy is processed. The policy contemplates that the insured has an occupation in which the insured performs a first set of duties and potentially other duties. In processing the insurance claim, the system and method focus on whether the insured is unable to perform the first set of duties. A threshold test may also be applied to ensure that the amount of the activities spent engaging in the first set of duties during a time period preceding a disability exceeds a threshold.