Question: Do you think it is fair to have a more restrictive definition of total disability for sickness in a disability income policy than for

Do you think it is fair to have a more restrictive definition

Do you think it is fair to have a more restrictive definition of total disability for sickness in a disability income policy than for disability caused by accident? After all, if you are disabled and can't work, you need income replacement regardless of the cause of your disability. Please explain.

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