01.Core Concepts

The most common definitions of total disability are: Inability to perform the material and substantial duties of your regular occupation Inability to perform the material and substantial duties of your occupation, and no engagement in any other occupation Inability to perform the duties of any occupation for which you are reasonably fitted by education, training, and experience Inability to perform the duties of any gainful occupation Loss-of-income test, i.e., your income is reduced as a result of sickness or accident ‹#›