Fundamentos de Accidente y SaludPregunta 476 de 716
A residual (partial) disability benefit pays when the insured:
a.Is totally and permanently disabled and cannot work at all in any occupation for the rest of their life
b.Returns to work but earns less because of the disability, in proportion to the income lost
c.Has fully recovered and returned to full earnings
d.Chooses to retire early with no disability
Explicación
A residual disability benefit applies when the insured can work but, due to the ongoing effects of the disability, earns less than before; the benefit is generally paid in proportion to the percentage of income lost. It is not for total permanent disability (which pays full benefits), not for full recovery with no lost income, and not for voluntary retirement. The residual benefit bridges the gap between total disability and full recovery by covering a partial loss of earnings.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)