It? S importante entender la definición de la discapacidad residual. En el lenguaje de seguros, discapacidad residual se refiere normalmente a una incapacidad parcial. Algunas situaciones implican una reclamación por incapacidad parcial en el inicio y / o al final de una incapacidad temporal que puede, durante el proceso, se aplica la definición de discapacidad total. Su lesión o enfermedad puede, al principio, dar lugar a una incapacidad residual, mueva a la incapacidad total, y, mientras se recupera, el retorno a una reclamación de incapacidad parcial a medida que se puedan reanudar las funciones de algunos, pero no todos, de su ocupación requisitos.
Sus beneficios en una reclamación por incapacidad residual será un porcentaje de las prestaciones exigibles en una situación de incapacidad total. Por ejemplo, suponga que su cobertura actual o en proyecto, se establece que usted tiene derecho a un beneficio máximo mensual de $ 7.500 si está totalmente incapacitado, ya sea temporal o permanente. Sufre un residual (parcial) de discapacidad que resulta en una pérdida del 40% de los ingresos mensuales regulares. Usted puede ser elegible para recibir un beneficio por incapacidad ingreso mensual de 40% de su máximo de la póliza, o $ 3,000.
Con frecuencia, hay dos definiciones de la discapacidad residual y debe ser consciente de la diferencia. Uno, por lo general prefiere, es la pérdida de las rentas que funciona muy parecido al ejemplo anterior. Otro, llamado a menudo? Pérdida de tiempo y de los derechos?, Contiene un lenguaje que se relaciona con su incapacidad para pasar tiempo en su especialidad y / o de su incapacidad para completar algunas de las tareas relacionadas con su ocupación. Este lenguaje puede complicar el proceso para el cálculo de incapacidad permanente parcial o otra forma de niveles residuales de invalidez. Examine su cobertura a aprender cómo se determina la incapacidad residual. Si no dispone de esta disposición, es posible que pueda agregar la cobertura a través de un corredor a su contrato principal.
Consulte su contrato de póliza de seguro para obtener información específica acerca de su cobertura y los términos reales, condiciones y exclusiones. Las declaraciones anteriores son de carácter general y pueden o pueden no reflejar las condiciones reales de su póliza de seguro.
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