What Is Residual Disability Insurance? 
Residual Disability Insurance is a rider or feature of a long term Disability policy that would pay a partial benefit if you are not performing at 100 % . This can mean that you can not work full time -LRB- or working full time , your output is less than 100 % due to your illness or injury -RRB- , and/or you have a loss of income beyond a predetermined percent -LRB- e.g. 15 % or 20 % -RRB- . The Disability benefit paid by residual disability insurance is usually proportionate to the time , duties or income lost . 