Disability & Long-Term CareQuestion 86 of 315
An insured loses the sight in both eyes in an accident. Under a typical disability income policy with a presumptive disability provision, when do benefits begin?
a.After the elimination period is fully satisfied
b.Immediately, with the elimination period waived
c.Only after the insured proves they cannot work
d.Only after Social Security approves a disability claim
Explanation
Presumptive disability automatically treats certain catastrophic losses, including loss of sight in both eyes, hearing in both ears, the power of speech, or the use of any two limbs, as totally disabling. Benefits begin immediately and the elimination period is waived, even if the insured can in fact work.
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Related questions on this topic
- An insured selects a 180-day elimination period instead of a 30-day elimination period. What is the effect on the premium?
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- An insured returns to part-time work after a covered disability and earns 40 percent of pre-disability income. Which provision pays a pro-rata benefit based on the lost income?
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