What does Recurrent Disability (Provision) specify?

• A. A relapse within a set period is treated as continuous with the original disability.
• B. It requires a new elimination period for each relapse.
• C. It provides indefinite benefits after relapse.
• D. It only applies to illnesses.

Answer: (A)

The main idea being tested is how a recurrent disability provision handles a relapse of the same condition within a defined window after the initial disability ends. When a relapse occurs within that window, it’s treated as continuous with the original disability, so there’s no new elimination period and benefits continue without restarting the waiting period. This design helps avoid gaps in income if someone briefly recovers and then becomes disabled again from the same cause. The window is set by the policy (for example, a few months) and relapses outside that period aren’t treated as the same ongoing disability, which could require a new elimination period. This provision typically applies to illnesses and injuries, not just one type.