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Recovery Benefit

This optional feature can make the residual or partial benefit riders more attractive to certain occupations. It will continue to pay a portion of the benefit after the insured has completely recovered and returned to work full time, if they have at least a 20% loss of income as a direct result of them being out on disability. For example, assume a dentist that was out on claim for several months, gets better and goes back to work, only to find that half of his or her patients have gone elsewhere. The recovery benefit will allow the dentist to rebuild his or her client base, up to age 65, depending on the carrier and occupation. See the Sales & Marketing Ideas file in Broker Resources.


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