Definitions of disability
The definition of disability is not the same in every context. For example, an insurance company might deem you to be disabled, but the Québec Pension Plan might not.
See the definition of disability according to:
Your life income fund (LIF) does not have any provisions that apply in the event of disability. However, an LIRA does. You can benefit from them if you transfer your LIF to an LIRA before the end of the year you reach age 71.