Define: Ordinary Disability

Ordinary disability refers to a condition or impairment that prevents an individual from performing their usual or customary work duties or activities. It typically involves physical or mental limitations that impact a person’s ability to engage in employment or other daily tasks, but does not necessarily render them completely unable to work. Examples of ordinary disabilities may include chronic illnesses, injuries, or psychological conditions that limit a person’s mobility, cognitive abilities, or stamina. In the context of disability insurance or benefits programs, ordinary disability may qualify individuals for financial support, vocational rehabilitation services, or accommodations in the workplace to help them manage their condition and remain employed. The specific criteria for determining ordinary disability and eligibility for benefits may vary depending on the policies of insurance providers, government agencies, or employers, as well as applicable laws and regulations.

A retirement plan or insurance policy classification used to determine if benefits will be paid. Under most plans, an ordinary disability is defined as a physical condition that permanently and completely prevents a participant from performing a range of duties required for employment at the company, and prevents the participant from being gainfully employed elsewhere.

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This glossary post was last updated: 29th March 2024.