Residual Disability Benefit
A rider that pays partial disability benefits when you can work part-time but lose a portion of your income.
What You Need to Know
Residual benefits (also called partial disability benefits) kick in when you can still work, but not at full capacity.
Key Points:
- Fills the gap between full-time income and reduced earnings
- Triggers when income drops below a set percentage (often 15-20%)
- Essential for occupations where partial disability is common
Without this rider, any ability to work could eliminate your benefit even if earnings fall sharply.
Sources & References
This information is sourced from authoritative government and academic institutions:
- dol.gov
https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/employee-retirement-income-security-act
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