"The want of legal ability or capacity to exercise legal rights, either special or ordinary, or to do certain acts with proper legal effect or to enjoy certain privileges or powers of free action" (see full definition at The Legal Dictionary).
A physical or mental impairment that interferes with or prevents normal achievement in a particular function.
A physical or mental impairment that substantially limits one or more of the major life activities of such for an individual.
With respect to an individual; (1) a physical or mental impairment that substantially limits one or more of the major life activities of such individual; (2) a record of such an impairment; (3) being regarded as having such an impairment (definition from the Americans with Disabilities Act).
A physical or mental condition that makes an insured incapable of performing one or more duties of his occupation or any occupation.
The limitation of normal physical, mental, social activity of an individual. There are varying types (functional, occupational, learning), degrees (partial, total), and durations (temporary, permanent) of disability. Benefits are often available only for specific disabilities, such as total and permanent (the requirement for Social Security and Medicare).
As used in reference to the EEO arena, and as defined in the Rehabilitation Act, means a person who has:
The definition of this term varies greatly by coverage plan. It's one of the most important provisions in a disability contract because it determines an employee's eligibility for coverage.
There are two types of Disability:
Long-term disability: Employees may come down with an illness or injury. They may not be able to work for a long time. An LTD benefit through their employer helps protect them and their families from financial loss. It provides a source of income for a set time. This helps to maintain a percentage of the employees’ pre-disability income. Other income benefits outside the LTD plan may reduce the amount payable under an LTD plan. See “Other income benefits.”
Short-term disability: This pays part of a worker’s pay when he or she is out of work. This person must be out of work for a short time with an illness or injury that is not related to work.
A physical or mental impairment that substantially limits one or more of the major life activities.