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Total vs partial disability
Two policy doors, not two medical grades: total usually means you cannot perform the insured occupation; partial (residual) means some work continues and earnings or hours have dropped.
Where it is defined
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Language map
Two policy doors, not two medical grades: total usually means you cannot perform the insured occupation; partial (residual) means some work continues and earnings or hours have dropped.
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Glossary
Two policy doors: total usually means you cannot perform the insured occupation; partial / residual means some work continues and a formula (earnings or hours drop) pays a proportion of the total benefit. Not a medical severity score.
See also
- Temporary disability
- Functional limitation
- Own occupation
- Material duties
- Disability
- Incapacity
- Waiting period
Referenced from
- Disability
- CR72 — Total disability — part-time capacity is not automatically ‘not total’
- CR276 — Partial permanent incapacity — residual other work is not the insured occupation
- CR259 — Total under own occupation — employing others to do the labour
- AFCA published IP determinations — Total and partial are separate benefits — AFCA applies the PDS as written
- South Africa — total, partial, and leftover tasks
- Australia — total vs partial as two PDS benefits
- NFO dispute process
- AFCA dispute process