Disability Insurance Basics
What is a partial disability benefit?
A partial disability benefit (also called a residual disability benefit) pays a portion of the full disability benefit when you are partially disabled and can work but earn less than your pre-disability income. The benefit is proportional to your income loss. Partial disability benefits are an important feature for professionals who may return to work at reduced capacity.
Key Points
- Partial disability benefit: pays portion of full benefit when partially disabled
- Proportional to income loss
- Important for professionals who may return to work at reduced capacity
- Example: 40% income loss = 40% of full disability benefit
- An independent agent can help you find policies with strong partial disability benefits