To overcome some of the disadvantages of partially insuring Wages, a hybrid form of Wages insurance was developed, called ‘Dual Wages’. In this method, there is an initial period. for example 100% for say 12 weeks. Then for the balance of the Indemnity Period, wages are only partially insured, e.g. 40% of wages may be covered for 40 weeks. This second period is known as the remainder period.