Arizona Life and Health Practice Exam

What provision makes a policyowner eligible for benefits if an injury affects their ability to perform job duties?

1. Full disability

2. Permanent disability

3. Partial disability

4. Temporary disability

The correct answer is: Partial disability

The provision that allows a policyowner to receive benefits if an injury impacts their ability to perform job duties is the concept of partial disability. This provision is designed to assist individuals who can still work but are limited in their capacity to do so due to an injury or illness. For instance, if a person suffers an injury that restricts their ability to do specific tasks related to their job, but they are still able to work in a reduced capacity or perform different tasks, partial disability benefits would provide financial support for the lost income or added expenses incurred while they recover. This distinguishes it from full disability, which generally means the insured is entirely unable to perform any work. Permanent disability implies that the condition is lasting and does not allow for recovery, while temporary disability covers situations where recovery is expected, but may not specifically address the partial capacity to perform job duties. Thus, partial disability benefits are tailored to those who are partially unable to fulfill their regular work functions due to an injury or condition.