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total disability

Total disability, as defined in a disability income policy, determines the liability of the insurer.

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total disability

Total disability, as defined in a disability income policy, determines the liability of the insurer.

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Definitions vary from policy to policy, with some being very restrictive and some being very broad. The most broad disability income policies define this term as the inability to perform the functions of one's occupation. Policies that are more restrictive define it to be the inability to perform the duties of any gainful occupation.