Which rider is designed to address partial loss of income after returning to work due to disability?

• A. Recurrent Disability (Provision)
• B. Elimination (Waiting) Period
• C. Residual Disability Rider
• D. Accidental Death & Dismemberment Rider

Answer: (C)

A residual disability rider provides ongoing income protection when you return to work but haven’t regained your full pre-disability earnings. It kicks in to replace part of the income you’ve lost as a result of the disability, in proportion to how much your earnings are still below your former level. The lighter you are on earnings, the larger the rider’s payment, and the benefit continues as long as you remain partially disabled or until the plan ends. This differs from an elimination period (the waiting time before benefits start), a recurrent disability provision (a new disability after a prior period of disability), and an accidental death & dismemberment rider (which pays only for specific accidental injuries or death and not ongoing income after returning to work). For example, if you earned $1,500 pre-disability and return at $1,000, the rider’s payment would reflect the remaining income loss, providing a partial top-up until you’re back to your full earnings or the benefit period ends.