One of the most confusing aspects of individual disability insurance policies is the distinction between total disability and residual disability.
- Total disability is typically defined as being unable to perform the substantial and material duties of your occupation at the onset of your claim.
- A residual disability, also known as a partial disability, is typically defined as being unable to do one or more of the duties of your occupation, leading to a loss of earnings of 20 percent or more.
Most disability policies offer benefits for both total and residual disability. However, it is important to understand that these terms may be defined differently from one policy to the next. At DarrasLaw, America’s top disability firm, our attorneys will conduct a free disability insurance policy analysis to determine whether you meet your policy’s definition of being either totally or residually disabled.
The Definition of Disability
With more than 100 years of experience, our lawyers understand the different types of disabilities and how they are defined by insurance companies. We also understand the complex issues that spring out of these definitions, such as when residual disability must follow total disability and when residual disability cancels out lifetime disability benefit riders.
You can trust us to sort through the definitions and the complex issues related to total and residual disability in order to understand what your policy means and what you are entitled to.