The phrase "total disability" means that a person is completely unable to perform any kind of work due to a physical or mental condition. They are unable to do their job or any other kind of employment. Full definition
In case of accidental permanent total disability of the insured person, the policy continues to collect any guaranteed additional and vested bonus. (policybazaar.com)
Others cover partial disability for a limited time, but only when it follows a period of total disability for the same cause. (lifehappens.org)
An individual who is seriously injured on the job and will never be able to gain employment again would be eligible for permanent total disability benefits. (charlesboyk-law.com)