Disability & Long-Term CareQuestion 88 of 716
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:
a.Outside coverage entirely, because the insured had returned to full-time work
b.Two separate open claims that are paid concurrently under one benefit period
c.A continuation of the original claim, with no new elimination period
d.A brand-new, unrelated claim requiring a fresh elimination period before benefits resume
Explanation
Recurrent disability provisions state that if the same disability returns within a specified window (often six months), the second period is treated as a continuation of the original claim. The elimination period does not have to be served again.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)