Partial Disability

What Does Partial Disability Mean?

A partial disability is a condition that restricts a person’s ability to work or perform daily tasks to some extent, without completely hindering it. Workers’ compensation and other disability insurance policies typically offer coverage for partial disabilities, providing financial support to those affected.

Insuranceopedia Explains Partial Disability

Partial disabilities differ from total disabilities in that total disabilities completely prevent a person from working, whereas partial disabilities allow for some level of work or daily activity. Individuals with total disabilities are often eligible for full disability benefits, while those with partial disabilities typically receive only partial benefits. In most private disability insurance policies, partial benefits are calculated from the worker’s actual income loss rather than the medical severity of the impairment. If the partial disability was caused by a workplace accident or illness, the payments usually come from the employer’s workers’ compensation insurance rather than a private policy.