Residual Disability

A provision that provides benefits in proportion to a reduction of earnings as a result of disability, as opposed to the inability to work full-time. A benefit is payable when the insured is unable to perform one or more of his or her occupational duties or is unable to perform all the duties for as much time as a result of an accident or sickness and/or suffers a loss of income (usually 20% of more of prior earned income).

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