Which of the following disability policies would likely provide the highest percentage of benefits for time lost due to minor injuries?

Short-term disability policies are designed to provide immediate financial assistance to individuals who are temporarily unable to work due to medical conditions, including minor injuries. These policies typically cover a portion of an employee's earnings for a limited period, often ranging from a few weeks to several months. Because short-term disability is intended for situations where workers might need to take time off due to minor injuries or illnesses, it generally offers a higher percentage of benefits for these types of claims compared to other disability policies.

Long-term disability policies, while beneficial for more severe or extended conditions, do not focus on temporary issues and often have a waiting period before benefits kick in. Full disability policies typically provide benefits only for total incapacitation, which would not cover minor injuries effectively. Partial disability policies are relevant for individuals who can still work but at reduced capacity; however, they are not specifically tailored for cases where the individual is entirely unable to perform their job duties due to minor injuries.

Thus, short-term disability is most aligned with providing immediate and substantial benefits for temporary absences caused by minor injuries.