Chartered Retirement Planning Counselor (CRPC) Practice Exam 2026 - Free CRPC Practice Questions and Study Guide

The definition of disability for blue-collar workers is often less liberal compared to professional classes due to the nature of their job requirements and the physical demands involved in blue-collar jobs. Blue-collar positions are typically more physically taxing, often requiring labor-intensive tasks. As a result, insurance policies and disability definitions may consider a narrower range of impairments that can qualify as a disability, emphasizing the ability to perform specific physical tasks.

In contrast, professional classes usually have more flexible definitions of disability that can take into account cognitive or emotional impairments, not just physical limitations. This reflects the nature of their work, which may be less physically demanding but can still be affected by a range of health issues.

Therefore, the distinction between these classes in defining disability comes from the differing roles and risks involved in their respective job functions, leading to a more restrictive approach for blue-collar workers in determining qualifying disabilities.