Work-related injury that results in a total loss of earning power. This requires an incapacity to perform any gainful work while incapacitated. Benefits at the total disability rate are generally two-thirds of wages up to a maximum compensation rate. An injured worker will be paid total disability for a work-related injury if, after an examination, it is determined that the worker's impairment rating under the American Medical Association's "Guide to the Evaluation of Permanent Impairment" is equal to or greater than 50 percent for as long as the disability lasts. If the workers impairment is less than 50 percent, the worker is entitled to only 104 weeks of total disability. After this time, they could possibly receive partial disability benefits for an additional 500 weeks at the same compensation rate for a maximum of 604 weeks.

With meaning of workers' compensation acts, means lack of ability to follow continuously some substantially gainful occupation without serious discomfort or pain and without material injury to health or danger to life.

Frequently defined as the inability to perform any of the duties of one's occupation.

The condition of an employee who is permanently, continuously, and wholly prevented by bodily injury or disease for life from engaging in any occupation for wage or profit and is also entitled to receive disability benefits under the Social Security Act.

Inability to perform all of the duties of one's regular occupation or the duties of any occupation for which the individual may become fitted due to education, training or experience.

An illness or injury that renders a person completely incapable of gainful employment during the period of disability. The exact definition varies among policies.

A disability that prevents a person from performing all occupational duties. The exact definition varies among policies.

The inability of an individual to perform all essential functions of his or her occupation, or in some cases any occupation, due to a physical or mental impairment.

Often the key policy provision in the disability income policy, this feature defines the eligibility requirements necessary for an individual to qualify for full monthly benefits.

There are three different definitions of total disability. These three definitions are known as the "own occupation," "limited own occupation" and "any occupation" definitions of disability.

The physical or mental inability to perform the major duties of one's occupation due to sickness or injury.

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. | Back

The physical or mental inability to perform the major duties of one's occupation because of sickness or injury. Transplant Donor Benefit: In some policies, the provision that the insured will be considered disabled as a

Disability that prevents the insured from performing all the duties of his or her occupation or any occupation: the exact definition varies among policies.

In a workers' compensation case, this is the compensation paid when an injured employee is totally impaired due to a work-related injury. Benefits at the total disability rate are generally two-thirds of wages up to a maximum compensation rate

An illness or injury which prevents an insured person from continuously performing every duty pertaining to his/her occupation or engaging in any other type of work.

The inability to perform the duties of a previous occupation, or any other occupation, due solely to sickness or injury. J K M N O X Y Z

Inability to perform any functions of any occupation, caused by a covered illness or injury.

For disability insurance purposes, an insured's disability that meets the requirements of the definition of total disability included in the disability insurance policy or policy rider and that qualifies for payment of the specified disability benefits. When a disability begins, total disability is usually the complete and continuous inability of an insured to perform the essential duties of his regular occupation. After a disability has existed for a specified period, total disability usually exists only if the insured is prevented from working at any occupation for which he is reasonably fitted by education, training, or experience. See also disability and residual disability.

Generally, a disability that prevents insureds from performing all occupational duties. The exact definition varies among policies.

Inability to undertake either occupational duties or aspects of normal day to day life. In an insurance policy providing cover against this contingency the definition applying to that contract is normally spelled out in detail. The exact definition may vary considerably between policies.

A degree of disability from injury or sickness that prevents the insured from performing the duties of any occupation from remuneration or profit. The definition in any given case depends on the wording in a covering contract.

Some policies define total disability as the inability of the insured to perform any work for which he/she is qualified. Other policies will define total disability as the inability of the insured to perform the duties of his or her own occupation. Some policies may change occupation definitions after a specified period of disability.

Disability preventing insured from performing any duty of their usual occupations or any occupation for remuneration; actual definition depends on the policy wording.

A total disability usually means a worker cannot complete most job requirements based on a physical or mental disability. In some cases, total disability is immediate subsequent to the loss of sight or limbs. In other situations, an “elimination” period provides a passage of time to confirm the disability status before an individual receives benefits. Private disability plans, employer group disability benefits, and Social Security will provide a percentage replacement of lost income for gainfully employed workers who are experiencing a total disability.