Chris is an insured bricklayer who severed his left hand in an automobile accident. although his primary duty cannot be performed, chris is also a substitute high school teacher. he collects a full disability income check every month. how does his policy define total disability?

This policy is defined in the total disability because of the own occupation by which this is defined as an insurance policy where a person that is considered to be disabled are not able to do their task well as they used to or what they are trained to do is not correctly or that they can't perform it correctly because of their disability,