total disability
When a disability
begins, it is typically considered a "total disability" if it
prevents an insured person from performing the essential duties of
his or her regular occupation. Under many insurance policies,
the definition of total disability changes at the end of
a specified period after the disability begins, usually two years. Therefore, insureds
are considered totally disabled only if their disabilities prevent them from
working at any occupation
for which they
are
reasonably fitted
by education, training, or experience. See
also disability.
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