Partial / Residual Benefit Calculator — Maple Groove Financial

See how a residual disability benefit tops up part-time earnings after a disability, and why going back to work always pays.

Pre-disability income (annual) —

What you earned before the disability.

Part-time income now (annual) —

What you can earn back at work part-time.

Full disability benefit (monthly) —

The benefit if you were totally disabled.

Income loss

—

of pre-disability income

Residual benefit

—

paid by the policy / mo

Part-time salary

—

earned at work / mo

Total income

—

salary + benefit / mo

—

How this works. A residual benefit pays a slice of the full disability benefit in proportion to the income you have lost: loss% = (pre-disability − part-time) ÷ pre-disability, and benefit = full benefit × loss%. To qualify you must have lost at least 20% of your income; earn 80% or more and no benefit is payable, while earning 20% or less pays the full benefit. Because the top-up shrinks slower than your salary grows, your total income keeps climbing the more you work; that is the incentive the residual clause is designed to create. (Manual sample: $80,000 pre, $32,000 part-time → 60% loss → $3,000 × 60% = $1,800/mo, plus $2,667 salary = $4,467/mo.)