How Is Residual Or Partial Disability Treated Under A Long Term Disability Insurance Policy?

Residual disability is defined in your long term disability insurance policy.  Residual disability is also referred to as partial disability.  This definition can vary from policy to policy.  Two commonly used definitions include loss of income and loss of time/duties.

Loss of income is when you have suffered a residual disability and can still perform the material and substantial duties of your occupation, but you have suffered a loss of income of at least 20%.  The long term disability insurance company will stop paying your claim when your loss of income is less than 20%.

Loss of time and duties is when you have suffered a residual disability and can still perform the material and substantial duties of your occupation, but you have suffered a loss of time and duties.  The long term disability insurance company will stop paying your claim when you are back to working full-time.

You can reach Miami Long Term Disability Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at [email protected].

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.