Term:  Recovery Benefit
  Certain insurance contracts provide a recovery benefit period to age 65 or 67 while others limit those benefits to 6-12 months following a return to work in your occupation. Moreover, some policies simply require a loss of income without restrictions on time or duties working in your occupation. This small difference could provide a considerable difference in income protection for any professional whose income is dependant upon hours worked. Understanding the importance of residual benefits within a policy is a critical aspect when choosing the right disability policy.