Which type of disability allows an individual to work at reduced efficiency?

The type of disability that allows an individual to work at reduced efficiency is partial disability. This condition means that the individual can still perform some of their job duties, but not to the full extent or capacity due to the limitations imposed by their disability. Partial disability insurance often provides benefits that compensate for the income loss due to working less or at reduced efficiency.

In contrast, total disability typically means that the individual is unable to engage in any work that they were capable of performing before the onset of the disability. Permanent disability refers to a long-term condition that does not improve and often results in a complete inability to work in the same capacity as before. Temporary disability indicates a situation where the individual is unable to work for a limited time but is expected to recover fully. Hence, the distinction lies in the level of capability and efficiency retained by the individual in the context of their work.