Which insurance term refers to a situation where the insured cannot work for a limited period but retains their job?

The term that refers to a situation where the insured cannot work for a limited period but retains their job is known as residual disability. This type of disability occurs when an individual may not be able to perform all of their job functions due to an injury or illness, but still maintains some capacity for work and is able to perform certain duties.

Residual disability benefits are designed to provide financial assistance to those who experience a partial loss of earnings due to their condition. This coverage recognizes that the insured is not entirely unable to work, but is still affected enough to warrant support. It focuses on the income lost due to the disability rather than complete inability to perform any job functions.

In contrast, total disability typically indicates a complete inability to perform any occupation, while partial disability suggests the ability to perform some but not all functions of one’s job. Presumptive disability refers to specific conditions that are assumed to be totally disabling, regardless of the insured's ability to work. These other terms do not capture the nuanced situation of being able to work partially or intermittently while still experiencing a limitation due to a disability.