Simply stated, incapacity (sometimes referred to as incompetency) means that you are either mentally or physically unable to take care of yourself or your day-to-day affairs. More accurately, incapacity means the inability to properly care for one's property or person or to make or communicate rational decisions concerning one's person. Generally, incapacity can result from serious physical injury, mental or physical illness, mental retardation, advancing age, and alcohol or drug abuse.

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