Common use of Total Disability Defined Clause in Contracts

Total Disability Defined. A) Total Disability/Totally Disabled means, during the Elimination Period and the subsequent Own Occupation Period as stated on the Schedule of Benefits for any Class with an Own Occupation Period, such a continuous state of incapacity resulting from Injury or Sickness that the Insured Employee will be completely unable to perform the essential duties of his own occupation at his own or any workplace. After the expiration of the Own Occupation Period, if any, it will mean such a continuous state of incapacity resulting from Injury or Sickness that the Insured Employee is completely unable to engage in any gainful occupation or perform any work for remuneration or profit for which he is reasonably fitted by education, training or experience. B) Total disabilities resulting from mental or nervous disorders are covered by the Plan in the same manner as total disabilities resulting from accidents or other sicknesses. C) During a period of total disability, an employee must be under the regular and personal care of a legally qualified Doctor of Medicine.