Answer: In disability claims, the term “disability” is defined in relation to your ability to perform the duties of your job (occupation). In order to qualify for benefits, you must meet your policy’s definition of what is referred to as “total disability”. In general terms, “totally disabled” means that you are reasonably unable to work.
During the “own occupation” period of your long-term disability claim, “totally disabled” means, that as a result of injury or illness (physical or psychological), you are unable to perform the regular duties of your own occupation. During the “any occupation” period of your claim, the definition of “total disability” changes to mean, that as a result of injury or illness (physical or psychological), you are unable to perform the regular duties of any occupation for which you are suited for by education, training or experience.
According to the Supreme Court of Canada (Paul Revere Life Insurance Co. v. Sucharov  2 SCR 541 1983 CanLII 168 (SCC) ):
The test of total disability is satisfied when the circumstances are such that a reasonable man would recognize that he should not engage in certain activity even though he literally is not physically unable to do so. In other words, total disability does not mean absolute physical inability to transact any kind of business pertaining to one’s occupation, but rather that there is a total disability if the insured’s injuries are such that common care and prudence require him to desist from his business or occupation in order to effectuate a cure; hence, if the condition of the insured is such that in order to effect a cure or prolongation of life, common care and prudence will require that he cease all work, he is totally disabled within the meaning of health or accident insurance policies.