Alabama Property and Casualty Practice Exam

Which type of disability is defined as the inability to work due to a work-related injury but is expected to improve?

1. Permanent partial disability

2. Temporary total disability

3. Permanent total disability

4. Temporary partial disability

The correct answer is: Temporary total disability

The definition highlights a condition in which an individual cannot perform their work due to a work-related injury, but there is an expectation that their condition will improve over time. This aligns perfectly with temporary total disability. Employees in this category are completely unable to work for a limited period but are expected to recover and return to their job. In contrast, permanent partial disability refers to lasting impairment that may not fully prevent a worker from performing their job, but it does limit their capabilities. Permanent total disability indicates a state where an individual cannot perform any work at all indefinitely, lacking the expectation of improvement. Temporary partial disability occurs when a worker can perform some work but is still restricted due to their injury. Thus, the essence of the question clearly identifies a situation where recovery is anticipated, which is why temporary total disability is the most accurate description.