por incapacidad

A phrase is a group of words commonly used together (e.g once upon a time).
phrase
1. (general)
a. disability
Después del accidente, Miguel se encontró con que su póliza de seguro por incapacidad no le brindaba la cobertura que el creyó.After the accident, Miguel found out that his disability insurance policy did not cover as he thought it would.
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