For example:
If you suffer 30% income loss, your residual rider benefit would be = .30 x $10,000 = $3,000 of monthly residual disability coverage.
If you choose the Enhanced Residual Rider,
you have the ability to fully recover and return to work full-time and continue to receive benefits as long as you can prove at least a 15-20% loss of your pre-disability income exists.
If you choose the Basic Residual Rider,
there is no recovery built into the contract. *Standard does still give recovery on either version.*