Which of the following clauses states that insureds are totally disabled when they CANNOT perform the major duties of their regular occupations?

The forbidden work clause pertains to the stipulations that disallow the insured from engaging in certain types of work or activities. This clause does not address the definition of total disability in relation to one's ability to perform their own job duties but rather focuses on restrictions on employment types.

While this term may seem related, the regular occupation clause does not explicitly state that the insured is totally disabled if they cannot perform their own job. It may imply general occupational duties without the specific focus on the individual's unique responsibilities, making it less applicable in this context.

The any occupation clause defines total disability based on the insured's ability to perform any job for which they are reasonably suited by education, training, or experience. This broader definition can often lead to a more stringent disability standard compared to the own occupation clause.