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What doctors write

Impairment

Medical loss or reduction of body or mind function — clinical, not occupation al.

Language: What doctors write Claim ladder: Step 2 Use: understand · distinguish · evidence

Ladder step 2: What medicine records — What has a doctor documented?

This is

  • Used in reports, RFC forms, disability assessments
  • Can exist without total work absence

This is not

Policy angle — Impairment % from a medical board does not automatically equal IP benefit entitlement under own-occupation wording.

ClaimBuddy resources

Cross-links to Clinical Atlas, glossary, traps, and policy terms — hover for a quick summary.

Glossary Policy traps Policy terms

Evidence

Functional assessment, specialist impairment rating

Often mixed with

Functional limitation Disability

Confusion drill-downs

Side-by-side guides for pairs people mix up with Impairment.

Impairment ≠ Disability (policy)

Medical ratings and policy tests use different scales.

Drill down →
30% whole-person impairment may still prevent your specific consulting role.