An injury that renders the insured incapable of performing one or more important job duties and results in decreased income would qualify for benefits under which disability provision?

• A. Total disability
• B. Residual disability
• C. Partial disability
• D. Economic disability

Answer: (C)

Partial disability is the provision that pays when an injury prevents you from performing all essential duties of your job but leaves you able to do some work, resulting in reduced earnings. The scenario describes being unable to perform one or more important duties and yet still having a decrease in income, which fits this partial (often called residual in practice) disability. Total disability would mean you can’t do any duties at all, which isn’t the case here. Economic disability isn’t a standard label for this situation, though residual disability is sometimes used to describe the same concept.