Total Disability means you are unable, due to medically determined sickness or injury, to perform the essential functions of your occupation at the time disability starts. If unemployed when disability starts, it means you cannot perform essential functions of any occupation for which you are reasonably qualified by education, training, or experience.
Was this article helpful?
That’s Great!
Thank you for your feedback
Sorry! We couldn't be helpful
Thank you for your feedback
Feedback sent
We appreciate your effort and will try to fix the article