Does the fact that a plaintiff has been unemployed since February 5, 1987, constitute total disability?

It should be noted that disability policies or plans are not income security plans. They only protect an insured against potential income loss if the insured is incapable of performing reasonable employment. The fact the insured loses income because no suitable job is available, is of no consequence from an entitlement to benefits perspective. MacEachern v. Co-Operative Fire and Casualty, supra, at p. 206. Accordingly, the fact the plaintiff has remained unemployed from February 5, 1987, to the date of trial, is not in itself an indication of total disability.