What does partial disability refer to?

Partial disability refers to an individual's inability to perform all the duties of their occupation or to work on a full-time basis due to an illness or injury. This condition allows for the possibility that the individual can still work in some capacity under modified conditions, even though they are not able to fulfill every aspect of their job.

This concept is essential in understanding various disability insurance policies, as many of them provide benefits if the insured is partially disabled, acknowledging that while they may be capable of some work, their condition restricts them from their full earning potential. It's also important to recognize that this definition does not imply a complete inability to work or a temporary disability, both of which describe different scenarios.