A more thorough explanation:

Wholly Disabled

Wholly disabled is an adjective used in insurance to describe a person who is unable to perform the important and necessary tasks required to carry out their job or business in the usual and customary way.

• A construction worker who has lost both arms in an accident and is unable to operate machinery or lift heavy objects is considered wholly disabled.
• A musician who has lost their hearing and is unable to hear or play music is also considered wholly disabled.

These examples illustrate how a person's disability can prevent them from performing the essential duties of their job or business, making them wholly disabled and unable to work in their chosen field.