Quick. Picture a DI Claimant. I'll bet the first thing that pops into your mind is a person who's flat on their back. Perhaps they've got tubes hanging off of them. Maybe they're connected to a variety of monitors and contraaptions.
Now...take a peek at this link.
http://www.principal.com/insurance/ind/disability/videos/hentschel-testimonial.htm
Disabilities happen. They come in all shapes and sizes and forms. The residual definitions found in Individual DI plans are important. Don't think a claimant only looks like Christopher Reeves.