Permanent Disability is defined as

Permanent Disability is defined as

• A. A temporary disability expected to recover
• B. A disability that allows return to any occupation
• C. A total disability that reduces or eliminates the insured's ability to work again
• D. A minor impairment that does not affect employment

Answer: (C)

Permanent disability means you are unable to work now and will not be able to work in the future because of the disability. It is a total loss of earning ability with no expectation of recovery, which is why the definition uses “total” and “to work again.” A describes a disability that is temporary and expected to recover, which is the opposite of permanent. B talks about returning to any occupation, which doesn’t address whether the condition is permanent or not. D describes a minor impairment that doesn’t affect employment, which also doesn’t meet the idea of permanent, ongoing loss of the ability to work.

Permanent disability means you are unable to work now and will not be able to work in the future because of the disability. It is a total loss of earning ability with no expectation of recovery, which is why the definition uses “total” and “to work again.”

A describes a disability that is temporary and expected to recover, which is the opposite of permanent. B talks about returning to any occupation, which doesn’t address whether the condition is permanent or not. D describes a minor impairment that doesn’t affect employment, which also doesn’t meet the idea of permanent, ongoing loss of the ability to work.