The definition of “total disability” is one of the most important terms in your policy. This is the definition that you must satisfy in order to receive the full amount of your monthly benefits. Generally speaking, a claimant qualifies as totally disabled if, due to sickness or injury, he or she is unable to perform the substantial and material duties of his or her occupation, is not engaged in any other occupation, and is under the care of a physician for the sickness or injury. However, there is a wide range of “total disability” definitions, so you must check your policy to determine the precise requirements that you must satisfy to qualify for benefits.
Click here for more information about the different types of “total disability” definitions that are used in disability insurance policies.