What constitutes a substantial handicap to employment?

The concept of a substantial handicap to employment typically refers to an individual's inability to compete effectively in the job market due to certain limitations, such as a lack of necessary skills. When a worker lacks the skills required to earn a suitable wage independently, this directly impacts their employability and can significantly hinder their ability to find or maintain employment.

This option highlights a key aspect of employment readiness — the skills gap. Without the appropriate skills, the individual is at a disadvantage, making it difficult for them to access opportunities that would allow them to earn a suitable income. Thus, it's essential to recognize that having the necessary skills is critical in overcoming employment barriers, and lacking these essential skills would be considered a substantial handicap.

The other options focus on conditions where the worker is either adequately prepared for employment or can earn a suitable wage, which do not represent a substantial handicap. Understanding this distinction is crucial for assessing employment challenges realistically.