“Employment” refers to an activity in which a person engages for financial gain, and it must be
                        substantial gainful employment.
                     
                     
                     In determining whether a person is totally disabled for employment, his work experience
                        or his capacity for work must be considered. For example, a man may be a logger who
                        is no longer able to do that kind of work because of his impairment. He may not have
                        the training or experience to qualify him for lighter employment such as clerical
                        work in an office,  or appropriate employment may not in reality exist in his community.  Another example is a young man or woman who has never been employed because of his
                        or her impairment. In such instance, the disability decision must be based, in part,
                        upon an evaluation of the person's capacity for employment, considering his or her
                        impairment.
                     
                     
                     Since a man's role in society is usually that of an employed person, the disability
                        decision about a man is made from the standpoint of employment or competition in the
                        labor market. A woman may have a dual role in society. A single or lone woman, therefore,
                        is considered from the standpoint of employment or competition in the labor market.
                        A married woman who lives in her family group is considered from the standpoint only
                        if she has recent employment experience which indicates that she would be employed
                        full-time if she did not have an impairment.
                     
                     
                     A person who is working as part of a training program is not “employed” . Such activity may be in the person's own home, in a school, a sheltered workshop,
                        a factory, or other training setting. The determining factor is not the location of
                        the activity, but the presence or absence of supervision, a training goal or objective,
                        and the economic value of the item produced or service provided by the person. The
                        person should be supervised in his training setting.
                     
                     
                      Employment in a sheltered workshop such as Goodwill Industries usually is not considered
                           to be “employment” in the context of this section even though such training is not part of a training
                           program.  One determining factor in such situation is whether the person is capable of competing
                        with nondisabled persons in the labor market. Another determining factor is whether
                        the person's employment activity in a sheltered workshop involves production or service
                        of real economic value such as work on a contract basis for private industry.
                     
                     
                     To be engaged in useful or gainful employment refers to the production of goods or
                        services which demand the time and attention of the employed person for the ultimate
                        benefit of others and to which the public attaches a money value. Work which is made
                        available to an individual because of the interest or compassion of interested persons
                        in the community, but which would not ordinarily exist or which the person would not
                        be able to do in sufficient quantity to maintain himself, is not considered to be
                        gainful occupation.