Disability Insurance Basics
What is a disability insurance recovery benefit?
A recovery benefit (also called a residual benefit) continues to pay a portion of the disability benefit after you return to work if your income is still below your pre-disability income. The recovery benefit helps bridge the gap between your reduced income and your pre-disability income during recovery.
Key Points
- Recovery benefit: continues paying after you return to work if income is still reduced
- Helps bridge the gap between reduced income and pre-disability income
- Important for professionals recovering from disability
- Typically pays proportional to income loss
- An independent agent can help you find policies with strong recovery benefits