COMMENTARY on 4:95
Mustafa Khattab:

Translation:
Those who stay at home—except those with valid excuses29—are not equal to those who strive in the cause of Allah with their wealth and their lives. Allah has elevated in rank those who strive with their wealth and their lives above those who stay behind ˹with valid excuses˺. Allah has promised each a fine reward, but those who strive will receive a far better reward than others—
Commentary:
29   This includes women, the elderly, the sick, etc.

 

A. Yusuf Ali:

Translation:
Not equal are those believers who sit (at home) and receive no hurt, and those who strive and fight in the cause of Allah with their goods and their persons. Allah have granted a grade higher to those who strive and fight with their goods and persons than to those who sit (at home). Unto all (in Faith) 614 Have Allah promised good: But those who strive and fight Have He distinguished above those who sit (at home) by a special reward,-
Commentary:

614  Allah's goodness is promised to all people of Faith. But there are degrees among men and women of Faith. There are people with natural inertia: they do the minimum that is required of them, but no more. There are people who are weak in will: they are easily frightened. There are people who are so strong in will and so firm in faith that they are determined to conquer every obstacle, whether in their own physical or other infirmities or in the external world around them. In a time of jihad, when people give their all, and even their lives, for the common cause, they must be accounted more glorious than those who sit at home, even though they have goodwill to the cause and carry out minor duties in aid. The special reward of such self-sacrifice is high spiritual rank, and special forgiveness and mercy, as proceeding from the direct approbation and love of Allah.

 

Muhammad Asad:

Translation:
SUCH of the believers as remain passive 121 - other than the disabled - cannot be deemed equal to those who strive hard in God's cause with their possessions and their lives: 122 God has exalted those who strive hard with their possessions and their lives far above those who remain passive. Although God has promised the ultimate good unto all [believers], yet has God exalted those who strive hard above those who remain passive by [promising them] a mighty reward -
Commentary:
121  Lit., "who sit [at home]"- i.e., who do not participate in the struggle in God's cause, be it physical or moral.
122  The term mujahid is derived from the verb jahada, which means "he struggled" or "strove hard" or "exerted himself", namely, in a good cause and against evil. Consequently, jihad denotes "striving in the cause of God" in the widest sense of this expression: that is to say, it applies not merely to physical warfare (qital) but to any righteous struggle in the moral sense as well; thus, for instance, the Prophet described man's struggle against his own passions and weaknesses (jihad an-nafs) as the "greatest jihad" (Bayhaqi, on the authority of Jabir ibn ‘Abd Allah).