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Partial disability is characterized by the inability to perform all regular duties associated with one's job. This situation often arises when an individual can complete some, but not all, aspects of their work, leading to limitations in their ability to function normally in their professional role. This definition is crucial in the context of insurance claims and coverage, as it determines the level of benefits an individual may qualify for based on their current capabilities compared to their pre-disability condition.

While being unable to work entirely reflects a total disability, partial disability indicates that the individual can still participate in some work-related activities but faces challenges that prevent them from fulfilling all their responsibilities. This nuanced understanding is essential for assessing the impact of the disability on the person's ability to earn an income and how it ties into their insurance benefits.

The other options, such as complete inability to work, a significant decrease in income, and the ability to work part-time hours, do not fully capture the essence of partial disability as these may apply to varying degrees or situations unrelated strictly to the inability to perform all job duties.