What type of policy is held by a doctor receiving Disability Income benefits who cannot return to full-time work?

A Residual Disability policy is appropriate for a doctor receiving Disability Income benefits who cannot return to full-time work, as this type of policy is designed to provide benefits to individuals who can perform some of their occupational duties, but not all of them. It typically covers the income lost due to the inability to work at full capacity, rather than providing a blanket benefit for total disability. This allows professionals, such as doctors, to receive benefits that proportionally reflect their income loss when they are partially impaired and still able to work, but at a reduced capacity.

This type of policy is particularly advantageous for those in high-skilled professions, where returning to a modified version of their role is possible but not to the extent that they previously performed. This is different from a Total Disability policy, which would apply if the individual was completely unable to work at all, or a Partial Disability policy which might only provide benefits for a limited time after an injury. Long-term Disability policies generally pertain to ongoing disability support, but they too may not specifically address the unique situation of being able to work part-time or modified duties while still receiving benefits.