What is a residual disability benefit?

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A comprehensive policy will pay for total disability as well as partial disability. To achieve this, you should make sure your policy has a residual disability benefits provision (also known as partial disability), which pays you partial benefits if your illness or injury has reduced your income but you're still able to work. For example, if you're only able to work 50% part-time due to your condition, a residual benefit will make up for the income loss by paying out 50% of your regular monthly benefit.