A disability benefit pays money or waives obligations when disability satisfies an insurance contract's definition. It may cover permanent total disability, permanent partial disability, or temporary inability to work. Payment can be a lump sum, scheduled percentage, or periodic income, depending on the product.
For workers in Nepal, the key question is which activities they must be unable to perform to qualify. Some policies assess the usual occupation, while others use a broader work-capacity test. Read this definition alongside personal accident insurance and waiver of premium terms, and check the required medical evidence.