Definitions for "Total disability"
Disability that prevents a person from performing (a) any of his/her occupational duties, or (b) any duties for which he/she is reasonably qualified. Definitions vary within policies.
A disability that prevents an insured from performing every duty related to the insured's employment or from engaging in any other type of employment appropriate to the insured. See Disability.
Total disability is a type of worker's compensation that is issued when an injured employee is totally impaired from normal functionality due to a work-related injury.
Keywords:  aspects, can't, job, unable, inability
You are unable to do your job or can't even manage your daily aspects of life.
The inability to do your job or manage aspects of your normal day-to-day life.
Keywords:  wage, sub, lost, capacity, earning
Wage earning capacity is lost. (WC Law § 15, Sub. 1,2)