Disability & Long-Term CareQuestion 642 of 716
Under a presumptive disability provision, the insured is automatically considered totally disabled, often with no elimination period, upon:
a.Any minor injury that keeps the insured away from work for even a single day, whatever its cause
b.A voluntary change of occupation to lower-paid work, which counts as an occupational disability
c.A brief inpatient hospital stay of any kind, since admission is itself proof of total disability
d.The loss of sight in both eyes, loss of hearing or speech, or the loss of use of two limbs
Explanation
Presumptive disability treats certain severe losses, such as sight, hearing, speech, or two limbs, as total disability automatically, usually waiving the elimination period. Minor injuries or job changes do not qualify.
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Related questions on this topic
- Compared with an 'any-occupation' definition, an 'own-occupation' definition of total disability generally results in a premium that is:
- A 'split definition' of disability commonly uses:
- A residual disability benefit pays a proportional benefit when the insured:
- Individual disability income benefits are usually limited to roughly 60 to 70% of earned income so that:
- When an individual pays disability income premiums with after-tax dollars, the benefits received are:
- If an employer pays the disability income premiums and does not include them in the employee's income, the disability benefits the employee later receives are:
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)