Partial Disability Benefits Versus Residual Disability Insurance Benefits

There is often a lot of confusion surrounding the difference between a partial disability insurance benefit and a residual disability benefit.

Partial disability insurance benefits are paid to an insured person, who experienced a loss of time or duties as defined in their policy due to a partial disability, such as an injury that affects only one part of the body. The Insured person will be eligible for a flat percentage of their monthly benefit, generally a maximum of 50%. The insured does not have to prove a loss of earnings to qualify for this benefit.

Residual disability benefits, which are less common, cover an insured person who experiences at least a 20% drop in earnings due to less than total disability. The monthly benefit amount is based on a percentage loss of income.

For more details, please contact us at 1-866-899-4849 or visit our Disability Insurance Quotes page.

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  • LSM Insurance
    January 12, 2011 at 10:10 am

    Hi Dhan,

    Thanks for the note.

    You would have to check the specifics of your policy contract. But if it has a partial diability benefit and you qualify you should be eligible for a flat percentage of your monthly benefit, generally to a maximum of 50%.

  • dhan kumari
    January 12, 2011 at 12:23 am

    I have rheumatoid arthritis and is painful to work and i would like to know if i would be able to work part time and the rest be covered by partial disable benefit