This benefit is payable following a severe accident that prevents the insured person from returning to their pre-accident usual job.
Partial disability is defined as any type of disability in which the insured person is unable to perform at full physical capacity. This is usually due to a severe injury.
A total disability when the insured person is prevented from performing any work at all on account of the injury or condition. This is generally defined as the loss of the use of both legs, arms, hands, or eyes, or any two such parts.
