Residual Vs. Total Disability Analysis

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.

Free Consultations — Total vs. Residual Disability Analysis Attorneys

Call us at 800-458-4577 or send us an email. Our attorneys offer a free total vs. residual disability analysis.

Reason #1

Why Choose DarrasLaw?

We are the most awarded disability law firm in the nation. Insurance companies will not pay full value of a case if they don’t respect the law firm representing you.

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

Request a Free, Confidential Case Review.