Total disability

{
  "id": "MLC-T-INS-003344",
  "term": "Total disability",
  "field": "Insurance and risk management",
  "definition": "A condition, as defined by an insurance policy, where an individual is unable to perform the material and substantial duties of their own occupation or any occupation for which they are reasonably suited by education, training, or experience. This status triggers benefits under disability income or workers' compensation policies. The definition of 'total disability' varies significantly between policies and insurers.",
  "url": "https://mlchart.com/terminology/insurance/total-disability/"
}