R had received full disability income benefits for 6 months. When he returns to work, he is only able to resume half his normal daily workload. Which provision pays reduced benefits to R while he is not working at full capacity?

The correct choice is Residual Disability, as this provision is specifically designed to provide benefits to individuals who are able to work but are not able to perform their job at full capacity due to a disability. In this scenario, R has returned to work but is only able to perform half of his normal workload, indicating that he is not fully capable of executing his job duties.

Residual Disability benefits typically allow for a reduction in benefits based on the percentage of income earned compared to what was earned prior to the disability. This aligns perfectly with R's situation, as he is partially disabled due to his inability to work at full capacity, thus qualifying him for reduced benefits under the Residual Disability provision.

Understanding this type of coverage is crucial as it addresses the needs of those who may be in recovery or who can only return to work in a limited capacity, ensuring that their financial support continues in a meaningful way while they navigate their path back to full employment.