What is the difference between partial and total disability insurance benefits?
Under many policies you may recover benefits either total or partial disability. Total disability typically means the inability to perform the substantial and material duties of your occupation. Often, if you are unable to perform one or more of your substantial and material duties, you are Totally Disabled. Partial disability usually entails an individual that continues to work and perform then duties of his or her occupation, but due to a disability is unable to perform those duties for as much time or as often as he or she did in the past. Typically, you must suffer an income loss of at least 20 percent to collect a proportionate amount of benefits. Under many policies you may qualify under both the total and partial disability provisions, though you can only collect benefits under one. Partial disability is often defined as the inability to perform at least one of the substantial and material duties of your occupation. If you are unable to perform your substantial and material duti
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