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A condition that incapacitates a person in some way so that he or she cannot carry on normal pursuits. The definition of "disability" in disability income policies varies substantially and should be carefully examined. Disability may be total, partial, permanent, or temporary, or a combination of these. In the context of the Americans with Disabilities Act (ADA), "disability" is defined as a recorded or perceived physical or mental impairment that substantially limits one or more major life activities of an individual.

Links for IRMI Online Subscribers Only: CRM III.M; PLI XXI.B; IWC XIII.H


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