Residual Disability – means
you are not totally disabled, but due directly to injury
or sickness, you are unable to perform one or more of the
important duties of your occupation or you are unable to
perform the duties of your occupation for as much time as
usually required. With this benefit, if the client returns
to work on a part-time basis and suffers a loss of income
sufficient to qualify, usually 20%, he or she will still
be entitled to a percentage of the total disability benefit
in the policy.
Partial Disability –
means you are not totally disabled, but due directly to
injury or sickness you are unable to perform one or more
of the important duties of your occupation or you are unable
to perform the duties of your occupation for a least 50%
of the time usually required. Partial disability measures
the ability of the insured to do the job, without regard
to loss of income. Partial disability benefits are based
on fixed percentages of the total disability benefit.
