A 'recurrent disability' provision in a disability income policy determines:
Explanation
A recurrent disability provision states that if the insured recovers and then suffers the same disability again within a short specified time (often six months), it is treated as a continuation of the original disability, so a new elimination period does not have to be served. It has nothing to do with premium calculation, the free-look period, or a death benefit. The provision protects an insured from having to satisfy a fresh waiting period when the same condition quickly returns.
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