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 an inflammation, thickening, and swelling of the normal tissue called mucosa, which lines all the sinuses. This same type of tissue lines all the passages of your nose as well as the small channels which connect the nose and sinuses. These channels can become blocked by swollen tissue.