State RegulationsPA specificDifficulty 1/5
Under Pennsylvania's individual accident and health rules for individual disability income policies, which description fits a partial disability?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Pennsylvania's individual accident and health rules define partial disability at 31 Pa. Code 88.138 as the condition of an insured who, because of sickness or injury, can perform some but not all of the duties of his or her regular occupation. That middle ground — working, but not fully — is what separates partial disability from total disability under the Pennsylvania framework the Pennsylvania Insurance Department administers, and it determines which disability benefit design responds to the claim.
Why the other options are wrong
- A) Inability to perform any duty describes total disability, not the partial category defined at 31 Pa. Code 88.138.
- B) Retirement without disability is not a disability status at all; the definitions turn on sickness or injury affecting work capacity.
- C) Disability is measured by the effect of the condition on occupational duties, not by the employer's scheduling choices.
Memory hook
Partial = some duties yes, some duties no — the in-between category.