Question

X owns a Disability Income policy. X recently suffered a disability which was due to the same cause as a previous disability. These disabilities both occurred over a four month span. Which of the following provisions allows X's second disability to be covered without a new elimination period? a) The waiver of premium provision

b) The recurrent disability provision
c) The waiting period provision
d) The partial disability provision

Answer 1

The recurrent disability provision allows X's second disability to be covered without a new elimination period, given the disabilities are related and occurred within a short timeframe.

Step-by-step explanation:

The provision that allows X's second disability to be covered without a new elimination period because it was caused by the same condition as the previous disability is the recurrent disability provision. This provision is specifically designed to provide continuous coverage under certain conditions, especially when disabilities occur close together in time and are due to the same or related cause. It prevents the insured from having to go through another elimination period for a related disability that occurs within a certain period of time from the initial disability.