Temporary Total disability means:

• A. The insured is unable to work for a period of time but will likely return to work.
• B. The insured is permanently unable to work.
• C. The insured can work in another occupation with training.
• D. The injury is fatal.

Answer: (A)

Temporary total disability means the person cannot work for a period due to injury or illness, but is expected to recover and return to work. This is a total loss of work capacity that is not permanent, so once recovery occurs the person can resume their job. It’s different from permanent disability, where there is no expected return to work, and from situations where the person could work in another occupation or perform some duties, which would indicate a partial or different type of disability. In practice, benefits are paid for a limited time consistent with the policy’s terms while the person is unable to work but anticipated to recover.