What are the material duties?
Material duties are the substantive tasks that define whether you can perform your occupation — not every incidental admin task. Your doctor should explain which core duties are affected, why failure in those duties matters clinically, and whether partial performance is realistic or unsafe.
Purpose
Separate core duties from incidental tasks.
Evidence the workspace should capture
Material duties list from profile or employer, functional-capacity matrix, employer confirmation of core vs incidental tasks.
Language map
Related terms — how this question connects to everyday, medical, functional, and policy language.
ClaimBuddy guidance
Use the Functional-capacity builder to list core vs incidental tasks from your job description, employer records, or occupation search — then ask your doctor to address each core duty the policy wording treats as material. Pair with the Claim readiness check on material duties and the Job-title trap glossary entry so evidence maps symptoms to real work demands, not a generic title. Own-occupation policies test whether you can perform those material duties continuously during the Initial Period.