Which definition of total disability is most favorable to the insured?

The definition of total disability that is most favorable to the insured is "own occupation." This term refers to a situation where the insured is unable to perform the duties of their specific occupation for which they are trained or experienced. In this scenario, if an individual is unable to fulfill the responsibilities of their job due to a disability, they would be considered totally disabled, making it easier for them to qualify for benefits.

This definition is beneficial to the insured because it does not require them to be incapacitated from working in any job, but rather focuses only on their own profession. It offers a higher level of protection and ensures that individuals can receive benefits even if they could potentially work in a different, less demanding position. This is especially significant in professions that require specialized skills or training, where transitioning to a different occupation can be challenging.

In contrast, the other definitions of total disability can be more restrictive and may not provide the same level of coverage or support to the insured. Therefore, the "own occupation" definition is the most favorable for individuals seeking insurance protection against total disability.