Question

Roger has a disability policy with a 12-month elimination period. He was in a bizarre accident involving a crane falling on a building causing part of the building's exterior wall to fall on his van. He lost the use of both legs in the accident. If his policy has a presumptive total disability coverage provision, when will he begin receiving benefits?

A) Immediately
B) After six months as the provision accelerates the waiting period
C) After a one month statutory administrative time period
D) He will have to wait the 12 months

Answer 1

Roger would begin receiving benefits immediately from his disability policy because it includes a presumptive total disability coverage provision which waives the standard elimination period for qualifying disabilities.

Step-by-step explanation:

Roger's disability policy with a 12-month elimination period includes a presumptive total disability coverage provision. Such a provision typically means that if the disability qualifies as 'presumptive' (like loss of use of both legs), the policy will waive the elimination period and benefits will begin immediately. Therefore, if Roger's policy has this provision, he would begin receiving benefits immediately after the accident, without needing to wait the standard elimination period.