Residual/Partial vs. Total Disability

Back to Insights

Returning to work post-injury doesn’t invalidate disability claim

Does working after suffering an injury invalidate a subsequent disability insurance claim? According to a recent U.S. District Court ruling from Florida, the answer is no. In Kaviani v. Reliance Standard Life Insurance Co., 2019 WL 1759245 (M.D. Fla., March 27, 2019), Kia Kaviani, a dentist, sustained neck injuries in a car accident in 2012. […]

What is the meaning of “regular occupation” in a disability insurance policy?

Most people assume that if they become unable to perform their usual work on account of sickness or injury, that they would qualify to receive benefits under their work-sponsored long-term disability insurance coverage. That may not be the case, though. In Nichols v. Reliance Standard Life Ins. Co., 2019 WL 2223614 (5th Cir. May 23, […]

Court parses difference between residual disability and total disability

This is the first of a two-part column. The second part will be published Tuesday. What is meant by “total disability” and “residual disability” under disability insurance policies is often unclear. A recent federal court ruling from Washington state, Simmons v. Paul Revere Life Insurance Co., 2018 WL 558960 (W.D. Wash. Jan. 25, 2018), took […]