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.
The respiratory tract refers to the pathway that carries air to the lungs, and can be divided into upper and lower parts. The lower respiratory tract consists of the lungs and windpipe, while the upper respiratory tract includes the nose, sinuses, throat (pharynx) and voice box (larynx). Although sinusitis, laryngitis and strep throat are all infections of the upper respiratory tract, the term URI usually refers to acute viral rhinitis. Another name for this condition is the âcommon cold.â. The symptoms of a viral URI typically include nasal congestion, sneezing, and a runny nose with clear mucus.