Total disability in the legal sense does not require that the insured be incapable of all work activity, only that the medical condition is such that ordinary and reasonable prudence would dictate that that person is not fit enough to carry out the main duties of a job of occupation.
Explanation:Sinus tract, an abnormal channel leading from within bones or other structures to the skin surface; sometimes this type of passageway is termed a fistula. Sinus tracts may form after an infection or as a means of decompression of a synovial joint in rheumatoid arthritis or classic fistulous rheumatism.
Sinusitis is inflammation of the sinuses. It occurs as the result of an infection from a virus, bacteria, or fungus. The sinuses are air-filled spaces in the skull. They are located behind the forehead, nasal bones, cheeks, and eyes. Healthy sinuses contain no bacteria or other germs. Most of the time, mucus is able to drain out and air is able to flow through the sinuses.