Which of the following statements about the dual definition of total disability typically found in many individual disability income policies is (are)true?
I.During the initial period of disability,the insured must be unable to perform the duties of any gainful occupation.
II.After the initial period of disability,the insured must be unable to perform the duties of any occupation for which he or she is reasonably fitted by education,training,and experience.

Question

Quizplus · Accepted Answer

The dual definition of total disability usually states that during the initial period, the insured must be unable to perform the duties of their own occupation, not any gainful occupation. After this period, the definition typically shifts to being unable to perform duties of any occupation for which they are reasonably fitted.

Which of the Following Statements About the Dual Definition of Total