Disability & Long-Term CareQuestion 86 of 716
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.Only after the insured proves they cannot work
c.Only after Social Security approves a disability claim
d.Immediately, with the elimination period waived
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?
- Why do disability income insurers cap the monthly benefit at roughly 60 to 70 percent of the insured's gross income?
- A short-term disability policy sold through an employer is MOST likely to pay benefits for which length of time?
- 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?
- An insured returns to work after a covered disability, then suffers a relapse from the same condition four months later. Under a recurrent disability provision, the second period is treated as:
- Which disability product is designed to reimburse a disabled small-business owner for fixed expenses such as rent, utilities, and employee salaries?
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)