Most companies have a feature called residual or partial disability. What that is designed to do is make someone whole in the event of a disability that removes part of their ability to work. It could be some of the loss of duties or responsibilities or it could be a loss of time. The leaders of the industry will pay for either loss of time duties or income. Most companies require that you have at least a 20 percent loss of income and then they will pay the portion of the income that you are missing.

An example would be if you were to have an illness or injury that will let you work half of the time, most of the disability policies will typically pay for half of the benefit that you have in force.

There are some good benefits that will allow you to cover the percentage of income that you are missing and some additional money. The reason some companies are willing to do this is they realize that upon disability not only does your income drop but your expenses start to increase because you often are meeting things like co-pays and deductibles. The advantage that ProVider Plus has is actually twofold. The first advantage is that the company will pay as long as the monthly benefit is at least $500 (assuming you are residually disabled under the policy and are within the benefit period). There does not need to be a 20 percent loss of income as most companies require. If you have a $5000 benefit and a ten percent loss of income, the company would still pay as much as $500 even though that's far less than the 20 percent loss most companies require. The second portion of the residual disability feature from ProVider Plus is called residual averaging.

For example, where an individual is disabled for 12 months, ProVider Plus would look at the average income loss for the preceding six months to determine what benefit a policy owner would receive in each month from month 7 to month 12. This could result of thousands of dollars of additional benefit being received.