Disability cover is a type of Life Insurance policy that pays out a lump sum in the event that you are unable to do your normal job due to an injury or disease.
Your Triarc Disability policy also has a Functional Impairment cover component built in which means that you could get a partial payout from your Disability cover in the event that your ability to do normal daily activities has been impaired due to injury or disease, even if you are still able to do your normal job.