Residual disability in a long-term disability claim refers to a situation where an individual is still able to work, but their ability to perform their job duties has been reduced due to a disabling condition. In this context, residual disability benefits may be available to provide partial compensation for the loss of income resulting from the reduced ability to work.
Residual disability benefits are often available as part of a long-term disability policy, and the policy may define the circumstances under which such benefits are payable. In general, residual disability benefits may be available if:
- The individual is able to perform some of their job duties but not all of them.
- The individual’s income has been reduced due to the partial disability.
- The individual is receiving medical treatment or therapy to improve their condition and ability to work.
If residual disability benefits are available, the policy may provide for a percentage of the individual’s pre-disability income to be paid out as benefits. The percentage may be calculated based on the difference between the individual’s pre-disability income and their current income, taking into account any other sources of income, such as Social Security disability benefits.
It is important to carefully review the terms of a long-term disability policy to understand the conditions under which residual disability benefits may be payable and how the benefits are calculated. If an individual believes they may be eligible for residual disability benefits, it is recommended to consult with a lawyer who specializes in long-term disability claims to understand their rights and options under the policy.