In disability income insurance, a condition in which the insured is not totally disabled, but is still unable to function as before the sickness or injury, and therefore suffers a reduction in income of at least the percentage - typically 20 percent to 25 percent - specified in the disability income plan. Also known as partial disability.
In health insurance, a disability that limits an insured's earning ability even though he or she may be able to work full time. Many insurance companies are replacing the partial disability benefit with the residual disability benefit because it improves coverage with a longer benefit period and with benefits that are based on lost income instead of loss of time at work. (See also: partial disability and total disability.)
partial disability that limits one's ability to work and results in decreased income.
The inability to perform one or more important daily job duties, or the inability to perform the usual daily job duties for the time period normally required for the performance of such duties.
A condition that prevents a person from performing some occupational duties, resulting in a loss of earnings calculated by a formula set forth in the policy/certificate. Generally, insurance benefits are only payable if residual disability follows a specified period of a total disability.
In better policies, a disability that causes an insured's income to fall more than 20% below its pre-disability level. Some companies include a loss of time requirement or the inability to perform some duties of the insured's regular occupation. Social Insurance
The form of disability which becomes defined as partial disability when an insured has returned to work immediately following a period of total disability.
Some individual disability policies include a residual disability definition, which typically means you're not totally disabled, but due to sickness or injury, have an income loss of 20% or more. Regular care from a physician is required.
A period of partial disability that immediately follows a period of total disability. Benefits for residual disability are paid on a pro-rata basis, depending on the percentage of earnings loss.