Which provision provides continuation of benefits if earnings drop after returning to work due to disability?

• A. Any Occupation
• B. Disability Income Presumptive Disability
• C. Residual Disability Rider
• D. Accidental Death & Dismemberment Rider

Answer: (C)

The concept being tested is how disability policies address income while you’re still working but earning less due to the disability. The residual disability rider is designed exactly for that situation: if you return to work but your earnings drop because you’re partially disabled, this provision continues to pay a portion of the full disability benefit. The amount is typically proportional to the loss of income (for example, a formula that compares actual earnings to predisability earnings and applies that ratio to the full benefit). This helps replace income you’re missing even though you’ve resumed work, and the benefit often continues for a defined period or until earnings recover.

The other provisions don’t fit this scenario. Any Occupation focuses on whether you’re totally disabled relative to any occupation you’re reasonably suited for, rather than continuing benefits after partial earnings. Disability Income Presumptive Disability pays if you meet certain total-disability criteria (often with a quick or immediate payment) rather than addressing reduced earnings after returning to work. An AD&D rider covers accidental death and dismemberment, not ongoing disability income.