Question

Which provision provides a loss of earnings benefit to an employee who returns to work after sustaining a total disability, if the insured's earnings are less than they were before the disability.

A. Restorative Disability
B. Recurrent Disability
C. Presumptive Disability
D. Residual Disability

Answer 1

Residual Disability is the provision that offers loss of earnings benefits to an employee who returns to work with reduced earnings due to a disability.

Step-by-step explanation:

The provision that provides a loss of earnings benefit to an employee who returns to work after sustaining a total disability, if the insured's earnings are less than they were before the disability is known as Residual Disability.

This type of benefit is specifically designed to compensate an insured individual for a loss of income when they are capable of returning to work, but not to the full capacity or earning level that they were at prior to their disability onset. It takes into account the residual earning capacity of an individual after a disability has occurred, ensuring that they are supported financially even though they may not be able to earn as much as they once did.