A disability that will presumably last for the insured's lifetime and prevents engagement in any occupation for which the insured is reasonably fitted.
Total disability from which the insured does not recover. When used as a definition in a policy (usually a life insurance policy rider), "permanent" is presumed after a stated period of time, commonly six months.
A disability that is expected to last at least a year and keeps an individual from any gainful activity.
A disability that prevents an individual from engaging in any substantial gainful activity because of a medically determined physical or mental impairment that is expected to result in death, or that has lasted or is expected to last for a continuous period of not less than 12 months.
Disability that prevents the insured from working again because of injury or illness.
A disability in which a wage earner is forever prevented from working because of injury or illness suffered.
A condition that prevents an insured from returning to any gainful employment.