Question

P received Disability income benefits for 3 months then returns to work. She is able to work one month before her condition returns, leaving her disabled once again. What would the insurance company most likely regard this second period of disability as?

A. presumptive disability
B. occupational disability
C. residual disability
D. recurrent disability

Answer 1

The insurance company would likely regard the second period of disability as recurrent disability, which allows individuals to claim benefits again without a new elimination period if the disability is from the same or related condition and recurs within a designated time frame.

Step-by-step explanation:

If P received Disability income benefits for 3 months, then returned to work only to find that her condition has returned after one month, leaving her disabled once again, the insurance company would most likely regard this second period of disability as D. recurrent disability.

Recurrent disability provisions in insurance policies are designed to protect individuals who return to work after a disability and then become disabled again from the same or related condition. These provisions typically allow the individual to claim benefits again under the original policy without needing to satisfy a new elimination period, assuming the recurrence happens within a certain period, such as six months or a year after returning to work