What do at work benefits allow for an insured who has partially returned to work?

At work benefits are designed to support employees who are transitioning back to work after an injury or illness, offering a safety net during their recovery process. Choosing reduced benefits proportional to working hours is correct because it reflects the nature of how these benefits function. When an insured person has partially returned to work, their earnings might be lower than their pre-injury salary. Thus, the benefits help to bridge the gap by providing a percentage that aligns with their current working capacity.

This ensures that while they are earning some income from returning to work, they still receive additional financial support, albeit at a decreased level that matches their reduced hours or workload. This structured approach encourages gradual recovery and reintegration into the workforce while providing the necessary financial assistance.

Other options do not accurately reflect the nature of at work benefits. Full benefits regardless of work status would not be sustainable or equitable for an insurance system, as it does not incentivize the insured to return to work. Benefits only if completely unable to work does not align with the purpose of these benefits, which is to assist in transitioning back to work. Higher premium payments if partially employed would not be a general rule for at work benefits, as the focus is on providing support, not penalizing individuals for partial employment.