Do you know ghouls from goblins and ghosts?
early 15c., "person holding a church position," from Medieval Latin incumbentem (nominative incumbens) "holder of a church position," noun use of present participle of incumbere "to obtain or possess," from Latin incumbere "recline on," figuratively "apply oneself to," from in- "on" (see in- (2)) + -cumbere "lie down," related to cubare "to lie" (see cubicle). Extended to holders of any office from 1670s.
1560s, in relation to duties or obligations, from Latin incumbentem (nominative incumbens), present participle of incumbere (see incumbent (n.)). The literal, physical sense is rare in English and first attested 1620s.
One who holds a public office. By virtue of their experience in office, their exposure to the public, and their ability to raise campaign funds, incumbents usually have a significant advantage over opponents if they choose to run for reelection.