To be eligible to receive disability benefits on the Carefree Insurance plan, you would explain the definition of Total disability to a client as follows:
For the first 12 consecutive months from the date of total disability that they are not able to perform the substantial and material duties of their OWN principal occupation, and after the first 12 consecutive months that they are not able to perform the duties of ANY occupation for which they are reasonably qualified to perform by education, training or experience.