There is various type of disability income policies offered within health policies. Those policies include but not limited to total disability, partial disability, residual disability etc.
In total disability person won’t be able to perform those tasks that he or she suited by reason of training, education, or experience where partial disability refers to inability to perform one or more duties of their own occupation or inability to work on full-time basis and can affect individual’s income. Usually, partial disability pays about 50% of disability benefit.
Residual disability on the other end occurs when person returns to work after certain disability period but still unable to perform work at the same level that he or she prior to their initial disability. This disability income provide difference in benefits of loss of income that occurs prior becoming disabled vs. unable to perform at the same level after returning back to work.
Generally speaking, these type of disability policies replaces income for those individuals who unable to work due to any kind of disability and provides financial assistance to them.