Unable means not having the power or skill to do something. Unable to attend, unable to speak, we were unable to help.
It always takes to and a verb — unable to do — and it cannot stand alone the way able can. It is softer and more formal than can't, which is why refusals use it. Note the un- prefix, and that disabled is a different word about a different thing.
1adjectiveunableNot having the power or skill to do something.
“After the accident, he was unable to walk for several months.”
unable is a lack of power.
Un-, meaning not, plus able, from Latin habilis, easy to handle, from habere, to have.
Middle English
unable
English, today
unable
From Middle English unable, unabel, unhable, unhabil, equivalent to un + able.
Etymology from Wiktionary, CC BY-SA