Question

A Disability Income policyowner suffers a disability which was due to the same cause as a previous disability. Both disabilities occurred within a five-month period. The insurer may cover the second disability without a new elimination period under the:_______A) Residual Disability provisionB) Presumptive Disability provisionC) Recurrent Disability provisionD) Partial Disability provision

Answer 1

Answer:

C) Recurrent Disability provision

Explanation:

The human body is a fantastic machine but sometimes when you have health problems they don't show up immediately.

For example you might get hit on the right side of your head severely and lose partial hearing from your right ear, but in a couple months you might notice that your short term memory has also been affected. Both disabilities were caused by the injury although one showed up before the other.

The insurance company has to provide the disability benefits without a new elimination period under the recurrent disability provision.