A third definition is the inability to work in any occupation. On a Group Long Term Disability or other individual policy, it would apply to any income derived from any source. Partial Disability A benefit that becomes payable if an insured cannot work full time or cannot perform some of the duties of his or her job, or many times, any job. The best policies allow the elimination period to be accumulated from total or residual disability. Most often it doesn't have to be continuous.
More limited policies restrict the number of days and some even require total and continuous.
An option that allows purchase of a monthly benefit that will be correlated with Social Security or Workers' Compensation benefits. Correlation of Benefits Generally only included in Group policies. The benefit paid will be reduced by any amount received from Social Security or Workers' Compensation benefits. Other sources of income, such as benefits from other group policies, will also be correlated. On individual policies they will be covered as long as not specifically excluded by name if they are disclosed in the application process.