‘Wholly disabled’ is a term that is commonly used in insurance policies. It refers to such physical inability as will render the insured unable to perform all substantial and material acts necessary to carry out his business or occupation in the customary or usual manner. The term is commonly used in workers compensation claims.
The term ‘wholly disabled’ refers to a person’s immediate, continuous, total inability to perform any work, labor, business, or service, or any part thereof, from the date of the accident causing the injury. [Rorick v. Railway Officials' & E. Acci. Asso., 1902 U.S. App. LEXIS 4638, 10-11 (9th Cir. 1902)].