Articles for Non-Lawyers

What does “totally disabled” mean? by Patricia Santucci

“You may have seen or heard of the phrase “totally disabled.” This is a term found in most long term disability policies. In short, “total disability” is a carefully defined legal term which is used in various insurance policies in order to determine whether or not a person is eligible for benefits. The definition of “totally disabled” varies from policy to policy.

The criteria used to determine whether a person is “totally disabled” or not often includes the following:
– Totally disabled from your own occupation in the short term
– Totally disabled from your own occupation in the long term
– Totally disabled from any occupation
– Totally disabled from any occupation which would provide substantial remuneration
– Totally and permanently disabled from any work or pay or profit

Again, a lawyer may assist you in determining whether or not you meet the criteria for “totally disabled” under the terms and conditions of your own short or long term disability policy. If you meet the criteria for “totally disabled,” you should be eligible for benefits. (11)

About the Author Patricia Santucci

Patricia Santucci is a personal injury lawyer born and raised in Hamilton, Ontario. She holds several degrees having attended King’s College at the University of Western Ontario, McMaster University, earned a Master of Arts degree at the University of Windsor and an Ontario Teaching Degree from Teacher’s College as well as her Ontario Teaching Certificate. After graduating from the University of Alberta law school she was called to the bar in 2000. You can find Patricia on and LinkedIn or directly through this website