1. Phrase that varies in meaning from one disability insurance policy to another. An example of a liberal definition might read, “The insured must be unable to perform the major duties of his or her specific occupation.” Also called full disability . 2. In nonoccupational injury or illness, unable to perform ordinary activities like someone of the same age. 3. In a workers’ compensation case, unable to perform substantial duties of his or her occupation. Also see permanent disability (PD) .
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US: 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. (This wording varies among insurance companies.)
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An illness or injury which prevents an insured person from performing any duty of his occupation or any other profitable work.
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Disability which prevents the insured from performing any duty of his usual occupation or from performing any occupation for remuneration. The actual precise definition depends on the wording of the Policy.