A residual disability benefit in a disability income policy is designed to pay benefits when the insured:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A residual disability benefit addresses the partial-income situation: the insured returns to work but, because of the disability, cannot earn what they did before, for example a surgeon who can no longer perform surgery or a consultant limited to part-time hours. Benefits are typically proportional to the actual income loss: a 40 percent loss of income produces roughly 40 percent of the total benefit. Residual benefits are broader than older partial disability clauses and are a common rider on quality individual disability policies, encouraging return to work while still protecting the insured's reduced earning capacity.
Why the other options are wrong
- B) Total disability pays the full monthly benefit when the insured cannot work at all; residual addresses the return-to-work income gap rather than total incapacity. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。
- C) Losing a limb is presumptive disability if the policy includes that provision and is not the same as a residual income-loss benefit, which keys on earnings. 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
- D) Residual benefits require an income loss caused by disability; retiring early for any reason is not a covered event and does not trigger the rider. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
Memory hook
Residual = back at work, earning less. The benefit tracks the income gap, not just being home in bed.