Definition Of Total Disability
Defines total disability as the inability solely due to injury or sickness to perform the material and substantial duties of your occupation and you are not working.
Definition of total disability. Total permanent disability tpd is a condition in which an individual is no longer able to work due to injuries. Total disability means executive s inability because of illness injury or other physical or mental incapacity to perform executive s duties hereunder as determined by the board in good faith for a continuous period of one hundred eighty 180 consecutive days or for a total of one hundred eighty 180 days within any three hundred sixty 360 consecutive day period in which case such total disability shall be deemed to have occurred on the last day of such one hundred eighty 180. Any occupation definition of disability under this definition total disability means the inability to work at any occupation. There are six common definitions of total disability.
This definition of total disability requires that directly because of injury or illness you are unable to perform the important duties of your occupation. Total disability is a term used in insurance law to refer to an injury which impairs the physical and or mental ability of a person to the extent that they are never again able to resume his her normal work or non occupational activities. The primary focus is that one is unable to work in a different occupation while on claim otherwise benefits may be reduced or terminated entirely. Total or partial loss of the person s bodily or mental functions.
This definition is sometimes softened by the addition of the following words the inability to perform the duties of any occupation by which the individual is suited by training education or experience. Total disability is contained in 1 match in merriam webster dictionary. Total disability is a term that is used in insurance law to refer to an injury which impairs the physical and or mental ability of a person to the extent that they are never again able to resume their normal non occupational or work activities. What is disability as defined in the disability discrimination act 1992.
Own occupation looks at your ability to perform your specific job duties. The disability discrimination act 1992 dda defines disability broadly as. This definition of total disability is very common in an employer sponsored group long term disability insurance policy or with property and casualty insurance companies that decided to release a disability insurance policy.