Disability in terms of insurance can be caused by which of the following?

Disability in the context of insurance is generally defined as a condition that prevents an individual from performing their job duties due to a physical or mental impairment. This definition encompasses a wide range of scenarios, making the understanding of what constitutes a disability critical for coverage.

A physical or mental inability to work captures the essence of disability insurance, which is designed to provide financial support when a person is unable to earn an income due to health-related issues. This could include conditions such as severe physical injuries, mental health disorders, chronic illnesses, and other impairments that limit an individual's functional capabilities.

By focusing on the mental or physical inability to perform work, the definition acknowledges the broad spectrum of factors that may lead to a claim. For instance, someone may experience a debilitating mental illness that affects their ability to concentrate, or a physical condition that hinders their capacity to engage in necessary tasks. Hence, this option encapsulates the general understanding of disability within insurance policies, which aim to serve those who, due to various reasons, are unable to continue their employment.

Regarding the other options, while chronic illnesses and injuries from natural disasters can contribute to disabilities, they do not exclusively define the broad criteria needed for insurance purposes. Similarly, the natural aging process can lead to conditions that