What is the case when the subscriber has to withdraw due to a disability or incapacitation?

The subscriber is entitled to minimum annuitisation - 40% of accumulated wealth and maximum lump sum withdrawal - 60% of accumulated wealth. The exit in such cases shall be determined as per the provisions applicable for normal exit, subject to the subscriber submitting disability certificate from a Government surgeon or Doctor (treating such disability or invalidation of subscriber) stating the nature and extent of disability and also certifying that: The affected subscriber shall not be in a position to perform his regular duties and there is a real possibility of the affected subscriber, being not able to work for the remaining period of his life. Percentage of disability is more than 75% in the opinion of such Government surgeon or doctor (treating such disability or invalidation of subscriber).