Metropolitan Life Insurance v. McKee

In a suit to recover total-disability benefits under an insurance policy, which in effect provides that the disability resulting from bodily injury must be total and permanent, so as to prevent the insured from pursuing any occupation for compensation or profit, “total disability exists when one is wholly disabled from pursuing the usual and customary duties of his employment on which he must depend for a living. . . But when the insured is incapacitated from performing any substantial part of his ordinary duties, a case of total disability is presented, although he is still able to perform…