What is the primary purpose of a 'residual disability' rider on a disability insurance policy?

Question: What is the primary purpose of a 'residual disability' rider on a disability insurance policy?

Answer options:

• To provide benefits if the insured can never work again.
• To pay a lump sum if the insured is diagnosed with a critical illness. ✅ To provide a partial benefit if the insured returns to work but suffers a loss of income due to the disability.
• To waive premiums while the insured is disabled.

Correct answer: To provide a partial benefit if the insured returns to work but suffers a loss of income due to the disability.

Explanation: A residual disability benefit addresses situations where an individual is not totally disabled. It provides a partial benefit, proportional to their income loss, if they can work part-time or in a reduced capacity due to their disability.