Which policy feature allows benefits to continue even if the insured returns to work but still experiences income loss?

The feature that allows benefits to continue even if the insured returns to work but still experiences income loss is the residual benefit. This provision is designed to provide financial assistance to individuals who have partially recovered from their disability and are able to work part-time or at a reduced capacity, but still face a loss of income compared to their pre-disability earnings.

Residual benefits typically calculate the amount of payment based on the loss of income rather than requiring total disability to receive benefits. This encourages individuals to return to work, knowing they can receive financial support that supplements their earnings while they transition back to full employment. This differs from other features such as living benefits, which might apply in different contexts, or a waiver of premium, which only suspends premium payments during a period of disability without providing ongoing income assistance. The endowment provision typically relates to the maturity of the policy rather than ongoing benefits during disability.