Inclusion has become a central concept in disability policy, education, and welfare state reform, yet its practical implementation remains ambivalent. While inclusion is promoted as a rights-based ideal grounded in equality, it can also function as an administrative label that obscures persistent exclusion. Drawing on critical disability studies, this article analyses inclusion as a contested, power-laden concept and develops a three-stage framework—access, participation, and agency—to distinguish formal inclusion from substantive belonging and influence. The framework is applied to key domains of disabled people’s lives—education, housing, service systems, working life, crises, and digitalised everyday life—showing how ableist norms, managerial governance, and institutional logics can reproduce exclusion within ‘inclusive’ reforms, including forms of transformed institutionalisation. The article argues that meaningful inclusion requires dismantling ableist norms, addressing structural power relations, resourcing supports, and strengthening disabled people’s agency in decision-making.