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Disability and incapacity
The same words mean different tests. Everyday talk, medical models, employment law, compensation schemes, and income-protection policies do not share a definition. Income protection usually assesses treated performance of material duties. Discrimination statutes often look at the unmitigated baseline. Mixing those axes is a trap.
33 contexts · Disability · Incapacity · Mitigated-state trap · Capacity ≠ performance
Income protection and insured disability
Disability
Insurance (general/international)
Inability to work, triggering income-replacement benefits.
disabilityDisablement
Insurance (general/international)
The specific event/claim triggering a payout.
incapacityIncapacity for Work
Insurance (general/international - Income Protection)
The insured's inability, due to illness or injury, to perform the material and substantial duties of their occupation (or, later in a claim, any occupation), tr…