What is the "loss of earnings OR duties" definition of disability?

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Multiple Choice

What is the "loss of earnings OR duties" definition of disability?

Disability in this context is defined by either being unable to perform your job duties or by experiencing a substantial loss in earnings. The key is the OR: either condition alone is enough to meet the definition. If you can’t perform the duties required, you’re considered disabled regardless of income. If you can perform the duties but your earnings drop by at least 20%, you’re also considered disabled. The other options are narrower, since they require both conditions, or they ignore one valid pathway (either duty impairment or income loss alone), which is not how this definition operates.

Disability in this context is defined by either being unable to perform your job duties or by experiencing a substantial loss in earnings. The key is the OR: either condition alone is enough to meet the definition. If you can’t perform the duties required, you’re considered disabled regardless of income. If you can perform the duties but your earnings drop by at least 20%, you’re also considered disabled. The other options are narrower, since they require both conditions, or they ignore one valid pathway (either duty impairment or income loss alone), which is not how this definition operates.

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