The phrase 'beyond hope of improvement' in a permanent total disablement definition means beyond any reasonable hope of improvement, not merely that improvement is unlikely. The question whether 'reasonably qualified by training, education or experience' is limited to the insured's actual qualifications and related occupations, or extends to any occupation the insured could physically perform, was left open.
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2 of the 8 citing cases carry a classified treatment. How each court treated it is available to signed-in members.