How is 'total disability' generally defined in insurance policies?

Total disability is generally defined in insurance policies as the inability to perform any substantial gainful work due to illness or injury. This definition recognizes that a person may be unable to continue in their specific occupation due to health issues, but may still be capable of performing some other types of work.

This approach aligns with the framework of many disability policies, which aim to provide coverage for individuals whose medical conditions significantly impact their ability to earn an income. It reflects the understanding that total disability involves not only the inability to do one's previous job but also encompasses a broader context of overall employability. Therefore, to qualify for benefits, an insured typically must demonstrate that their illness or injury prevents them from engaging in work that provides a meaningful financial return, thereby providing necessary economic protection during such difficult periods.