Question 11 of 20 Kelly Robshaw's disability income insurance policy contains the current usual definition of total disability that is included in most disability income policies. According to her policy, the definition of total disability changes after the insured has been totally disabled for two years. This information indicates that should Ms. Robshaw become disabled, then at the end of the initial two-year period of disability, she will be considered totally disabled only if her disability prevents her from working at any occupation for which she is reasonably fitted by education, training, or experience is classified as a presumptive disability causes her to earn less than she earned before becoming disabled O preves her from performing the essential duties of her own previous occupation