Impairment

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

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

This is

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

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

Glossary Policy traps Policy terms

Functional assessment, specialist impairment rating

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

Medical ratings and policy tests use different scales.

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