A., B. & C. Railroad Benefit Ass'n v. South

. Jenkins, P. J.

In insurance policies or certificates entitling the holder to sickness or accident benefits in case of “total disability,” such disability “does not mean absolute physical inability to work at one’s occupation, or to pursue any occupation for wages or gain; but it exists if the injury or disease of the insured is such that common care and prudence required him to desist and he did in fact desist from transacting his business.” Total disability is further defined as the “inability to do substantially all of the material acts necessary to the transaction of the insured’s…