Wiki

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• Illness Language map A health problem — usually disease or disorder, mental or physical, often ongoing.
• Illness vs Incapacity Confusion pair You can be ill before policy incapacity begins — dates matter.
• Illness, unspecified Clinical atlas — condition R69 · Other
• Imigran (sumatriptan) Clinical atlas — medicine sumatriptan · Migraine acute
• Imovane (zopiclone) Clinical atlas — medicine zopiclone · Sleep aid
• Impairment Language map Medical loss or reduction of body or mind function — clinical, not occupational.
• Impairment vs Disability (policy) Confusion pair Medical ratings and policy tests use different scales.
• Incapacity Language map · Glossary Unable to work (or meet earnings) as defined by the policy — close cousin to disability.
• Incapacity Disability / incapacity The state of lacking the physical, mental, or legal ability to do something.
• Incapacity Disability / incapacity Functional inability to perform physical or cognitive tasks due to illness, injury, or impairment.
• Incapacity Disability / incapacity Inability of an employee to perform their duties due to ill health or injury, which may (if the incapacity is permanent and no reasonable accommodation is possible) constitute a fair reason for dismissal.
• Incapacity Disability / incapacity Inability of an employee to meet the required performance standard, distinct from ill health, which may justify dismissal if fair procedure (setting standards, training, guidance, evaluation, warning) has been followed.
• Incapacity Disability / incapacity Inability of an employee to perform the inherent requirements of their role, relevant to unfair dismissal and workers' compensation claims.
• Incapacity Disability / incapacity A broad umbrella concept spanning medical, legal, and functional inability, contrasted with "disability" (often more status/rights-based) and "incapacitation" (often the active process of losing capacity).
• Incapacity for Work Disability / incapacity 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), triggering income-replacement benefits.
• Income protection benefit Policy scan Highlighted in uploaded policy wording (Salary & deductions).
• Inderal (propranolol) Clinical atlas — medicine propranolol · Beta-blocker / anxiety
• Inflammatory bowel disease, unspecified Clinical atlas — condition K52.9 · GI
• Injury Language map Harm from a specific event — accident, fall, surgery, assault, sport trauma.
• Injury vs Illness Confusion pair Policies may treat causation, exclusions, and evidence differently.
• Injury, unspecified Clinical atlas — condition T14.9 · Injury
• Insomnia Clinical atlas — condition G47.0 · Sleep
• Insufficient evidence Rejection ground Run evidence-gap detector; request specific records list from insurer and obtain employer-held files.
• Insuranceline Life insurer Direct brand in the TAL group.
• Integrity Life Life insurer Retail life and IP.
• Internal review Claim workflow Issue-by-issue response with a cure plan.
• Internal review / appeal rights Rejection ground Diary review and ombud deadlines; structure response as issue-by-issue matrix not narrative alone.
• Intervertebral disc degeneration, lumbar Clinical atlas — condition M51.36 · Pain & MSK
• Investec Life Limited Life insurer Private-client life company.
• Iron deficiency anaemia Clinical atlas — condition D50.9 · Haematology
• Irritable bowel syndrome Clinical atlas — condition K58.9 · GI