Can I protect against partial loss of income if I return to work?

Built into some policies, available as an option with others, this benefit is called a residual disability benefit, which pays the insured a portion of the total disability benefit after a return to work based on the level of disability, or in some policies, based on the percentage of income lost due to the disability. For example, if after rehabilitation and therapy, you were able to perform some 70% of your job duties, you would be eligible for 30% of your disability benefit.

These are to be distinguished from recovery benefits, which provide for partial payment of benefits after a person has returned to work after a long term disability, until his or her earnings have been restored to pre-disability levels, even though he or she is fully recovered and no longer disabled in any way.