Totally Disabled or Total Disability Totally Disabled or Total Disability means either: 1. inability of the Covered Person who is currently employed to do any type of work for which he is or may become qualified by reason of education, training or experience; or 2. inability of the Covered Person who is not currently employed to perform all of the activities of daily living including eating, transferring, dressing, toileting, bathing, and continence, without human supervision or assistance. We, Us, Our Life Insurance Company of North America. You, Your The person to whom the certificate is issued. GA-00-1200.00 5