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From The Glossary »

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Disability:

A physical or mental condition that makes an insured person incapable of performing one or more duties of his or her occupation. Such a disability may be partial (a disabled person can perform a material part of their occupation), permanent (the disability is expected to be for the life of the person), temporary (a disability from which the person is expected to recover) or total (a disability which is sufficient to prevent the person from performing ...
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