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.
Sinus infection, or sinusitis, is a common condition that refers to inflammation of the sinuses and nasal passages. Acute sinusitis usually lasts fewer than eight weeks or occurs no more than three times per year, with each episode lasting no longer than 10 days.