How is the partial disability benefit calculated?

The calculation for a partial disability benefit generally involves determining a percentage of the pre-disability income, which reflects the insured's earning capacity before their condition affected their ability to work. The formula provided in the correct choice takes the pre-disability income and applies a percentage representing the benefit amount that is due to the individual based on their degree of disability. The division by two is often a common factor in insurance calculations to ensure that the benefit remains manageable and proportionate to the income lost due to partial disability.

This method recognizes that the insured may still be able to earn an income but at a reduced capacity, thus providing a structured way to compensate for the loss while considering other aspects of their financial situation. It aligns with the principles of income replacement benefits in accident and sickness insurance, focusing on the insured's pre-disability earnings and the percentage agreed upon in their policy to determine the appropriate level of support.