Under an individual policy, an insured who CANNOT perform the duties of his/her own occupation for a specific period of time is?

The term that best describes an insured who cannot perform the duties of his or her own occupation for a specific period of time is "totally disabled." In the context of disability insurance, total disability typically refers to a situation where the insured is unable to engage in the specific type of work they were trained or employed to do. This definition emphasizes the inability to perform one's own occupation rather than being unable to perform any work at all.

For many insurance policies, a total disability clause has specific criteria that align closely with this definition, focusing on the impact on the individual's capability to work in their accustomed role rather than suggesting a broader incapacity that might relate to any form of employment.

Partial and temporary disabilities differ, as partial disability implies that the insured can perform some duties or may be working in a limited capacity, while temporary disability suggests a condition that may eventually resolve, allowing a return to work. The term "morally hazardous" relates to the ethics and behavior of the insured, rather than their physical capability to perform work duties, and is not applicable in this context.