What is a disability?


What is a disability?


Disability covers a vast range of conditions right from those present at birth, acquired through accident, and those that develop over time. Different insurance providers have varying definitions of disability. Always confirm with your insurance agent the definition of disability in your plan and whether you must attend a rehabilitation program.
Defining disability presents a complex and evolving problem as different insurance companies use varying definitions of disability.

The Ontario Human Rights Commission
defines disability as:


Any degree of physical disability, malformation, infirmity, or disfigurement that is the result of bodily injury, illness, congenital disability and, without limiting the generality of the preceding, includes epilepsy, diabetes mellitus, brain injury, any degree of paralysis, lack of physical coordination, visual impediment or blindness, hearing impediment or deafness, speech impediment or muteness, or physical reliance on a guide dog or other animal or a wheelchair or other remedial device, a condition, or mental impairment, or a developmental disability,


A learning disability, or a dysfunction in one or more of the understanding processes, or use of symbols of spoken language,


A mental disorder, or


An injury or disability for which benefits were claimed or received under the insurance plan established under the Workplace Safety and Insurance Act, 1987.

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