Unable to work or unable to work: these are the crucial differences. Unfit for work does not mean unfit for work.
Incapacity to work occurs when a person is temporarily no longer able to do their job. Occupational disability occurs when people are unable to carry out their job as it was without any health impairments. Health insurance pays for 78 weeks if you are able to work. If, contrary to expectations, the occupational disability insurance can stop payments. But insured people don’t have to pay anything back.