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Incapacity for Work
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.
Where it is defined
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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.