When referring to "total disability," which factor is typically NOT relevant?

In the context of total disability, the focus is primarily on the individual's ability to perform their job functions relative to their previous employment, training, and education. These factors directly impact an insured's capacity to earn a living and engage in productive work. Previous employment establishes what the individual was capable of doing before becoming disabled. Training reflects the skills they have that may aid in job performance, while education provides insight into their qualifications and potential employment opportunities.

Living arrangements, however, are typically not considered when assessing total disability. While living situations may influence a person's quality of life, they do not directly correlate with the individual's ability to perform work-related tasks or their eligibility for disability benefits. Therefore, in evaluating total disability, the emphasis is on the insured's occupational capabilities and qualifications rather than their living arrangements.