What is considered a "total disability" in the medical profession?
British Columbia, Canada
The following excerpt is from Paul Revere Life Ins. Co. v. Dufton, 1988 CanLII 3080 (BC SC):
In Mut. Life Ins. Co. of New York v. Clark, 502 S.W. 2d 110 (Ark. S.C., 1973), the court held that "total disability" occurs where a professional is unable to perform any substantial part of his ordinary duties even though he can still perform some of them.
The manner in which one performs one's duty was a consideration before the court in Scalia v. Travelers Ins. Co., 210 So. 2d 373 (La. C.A. 2nd Circ., 1968): … total disability … does not mean … a state of absolute helplessness but contemplates inability to do substantially all the material acts … in substantially his usual and customary manner.
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