Which of the following terms is used to define the insured's total inability to work in their own occupation?

The term that defines the insured's total inability to work in their own occupation is "Own Occupation." This refers specifically to a disability insurance provision that provides benefits if the insured is unable to perform their specific job duties due to a medical condition. In this context, "own occupation" recognizes the specialized skill set required for the person’s particular job, ensuring that if an individual cannot fulfill the obligations of their role, they qualify for benefits.

This distinction is crucial as it often provides more comprehensive coverage compared to other definitions of disability, such as those that consider any occupation. In those cases, an insured may be deemed capable of working if they can perform work of any kind, not just their specific line of work. Hence, if an individual loses the ability to perform their customary job due to a qualifying disability, they are eligible for benefits under policies that utilize the "own occupation" definition.