definition of zero day in disability insurance
Does your long term disability contract require total disability in order for the qualifying period to start? Better make 100% certain that is NOT the case and someone wasnât asleep at the switch when your contract was written. Your plan should include a zero day residual benefit. Zero day residual provides coverage for partial disabilities in the qualifying period of a claim. This means a claimant can use partial days of work to satisfy the qualifying period for both short term and long term disability. Without a zero day residual benefit an employee would have to be totally disabled in order for their 90 or 180 day qualifying period to start. Think about it.