A&H Policy ProvisionsQuestion 634 of 716
A recurrent disability provision states that if an insured returns to work but becomes disabled again from the same cause within a stated time (such as 6 months), it is treated as:
a.A brand-new disability requiring a new elimination period and a new benefit period
b.A pre-existing condition subject to the policy's pre-existing condition waiting period
c.An excluded loss the insurer will not pay because benefits already ran once
d.A continuation of the original disability, with no new elimination period
Explanation
A relapse from the same cause within the recurrent-disability window is treated as one continuous claim, so the insured need not satisfy a new elimination period. If the gap were longer, it would be a new disability.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)