It is standard practice for insurance companies to write these strongly worded clauses into their No-Fault Auto Insurance and in Long-Term Disability policies. Insurance companies often argue that these phrases mean exactly what they say: that if a person can do part-time work, then they are not “Totally Disabled”. Or, that if a person can do some job tasks, then they are not “Totally Disabled”.
http://otlablog.com/total-disa