In a disability income contract, under which condition is an insured considered to be totally disabled?

In the context of a disability income contract, total disability typically refers to an individual's inability to engage in any work that aligns with their skills and education. Therefore, the condition where an insured is deemed totally disabled is when they are unable to perform any work. This includes not only their current job but any job that they are qualified to do based on their training and experience.

The definition of total disability varies among insurance policies, but in general, it does not solely rest on specific physical impairments, such as losing the ability to walk or speak. While these conditions could contribute to a person's overall disability status, total disability is more comprehensively assessed on the individual’s capacity to earn a living. Furthermore, requiring daily assistance with activities might indicate a level of disability, but it does not necessarily equate to being totally unable to work in any capacity.

In essence, the concept of total disability encompasses a broader scope, as it focuses on the ability to perform any form of work rather than limiting it to specific physical abilities or activities of daily living.