Restoration Of Benefits

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 16, 2021

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Many policies have specific dollar maximums after which benefits are no longer payable. If you have received benefits under such a policy, the restoration of benefits provision restores the maximum if you go for a stated period of time without receiving benefits. For example, suppose that your policy has a maximum benefit of $100,000, and you receive $20,000 in benefits. At this point your remaining benefit maximum would be $80,000. Then, you do not receive additional benefits for, say, one year. The provision then restores your maximum to the original $100,000.

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