Under a 'presumptive disability' provision in a disability income policy, the insured is automatically presumed totally disabled upon:

Explanation

A presumptive disability provision automatically deems the insured totally disabled, and pays full benefits without the usual proof, upon certain severe losses such as loss of sight, hearing, speech, or the loss of use of two limbs, even if the insured could technically still work. Missing one day of work, a minor illness like a cold, or changing jobs do not qualify. The provision recognizes that these catastrophic losses are so serious that disability is presumed as a matter of course.