The definition of disability under which the insurer has most control. In order to continue receiving disability income benefits the disabled employee must be unable, due to illness or injury, to perform any job for which he/she is reasonably suited by training, education or experience.
A definition of total disability that requires the insured to be unable to perform any job for which he or she is, "reasonably suited by reason of education, training or experience," in order to received disability income benefits.
A definition of total disability that requires that for disability income benefits to be payable, the insured must be unable to perform any job for which he or she is “reasonably suited by reason of education, training or experience.
Under this definition, an insured will be considered disabled only if he/she is unable to work in any occupation for which he/she is qualified by education, training, or experience. This is closely related to the definition that the Social Security Administration uses in determining disability.
In LTD plans, any gainful work or service for which an employee is reasonably qualified, taking into consideration his or her training, education, and experience. A minimum income standard is not typically specified, but administrative practice commonly requires 60% or pre-disability earnings.