Content Overview 
- If I Return To Work, When Will My Income From My Disability Income Policy Stop?
- How Do I Confirm My Interpretation of Provisions of a Long Term Disability Income Policy?
- Will The Insurance Company Help Me Become Able To Go Back To Work?
- If I Can Only Work Part-Time: Do I Still Receive A Benefit?
- If I Can Only Work Part-Time: If I Receive A Benefit, How Much Will It Be?
- What If I Make Less In My New Job Than My Old Job?
- What If I Start Work, But I Have To Stop Working Again Because Of My Health? Recurring Disabilities Provisions
- What Should I Do If I Am Considering Going Back To Work?
Return to Work: Individual Disability Insurance
If I Can Only Work Part-Time: If I Receive A Benefit, How Much Will It Be?
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If you will receive a benefit even if you can work part time, the amount of the benefit varies according to your specific contract. The formula differs from policy to policy, but all have the same goal: to pay a percentage of the total disability benefit that reflects the amount of reduction in your income.
For example: because David is partially disabled he is only earning 30% of what he used to earn (a 70% reduction in income). The partial disability benefit will pay 70% of what David would receive if he were totally disabled. So, if David’s benefit for total disability is $2,000 per month under his Disability Income he would get $1,400 (70% of $2,000) due to his partial disability.
When determining how much is due you, look to see if there is a provision in your policy which adjusts your former income for inflation. The adjustment for inflation will complicate calculating how much money you’ll receive, but can be worth it in the dollars you’ll receive.
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