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Glossary > Insurance > Disability Insurance > Long-Term Disability Insurance
Legal Disclaimers

Recurrent Disability

Recurrent disability in the context of insurance, specifically Disability Insurance or Long-Term Disability Insurance, refers to a situation where an insured individual experiences periods of disability due to illness or injury separated by periods of recovery or return to work. This type of disability coverage recognizes that some conditions may reoccur intermittently, causing the individual to be unable to work multiple times over an extended period.

Example #1

An example of recurrent disability is a professional athlete who sustains a knee injury during the season, undergoes treatment and rehabilitation, returns to play, but later experiences a recurrence of the injury that requires another period of disability.

Example #2

Another example is a teacher who suffers from a chronic illness that flares up periodically, leading to periods of absence from work.

Misuse

Misuse of recurrent disability coverage could occur if an insurer wrongfully denies a claim for subsequent periods of disability by incorrectly interpreting the policy terms or claiming that the recurrent nature of the disability is not covered. It is important to protect against this misuse by carefully reviewing policy details and seeking clarification from the insurance provider if needed. Consumers should be aware of their rights and advocate for fair treatment when facing recurrent disability situations.

Benefits

The benefit of recurrent disability coverage is that it provides financial support for individuals who experience recurring periods of disability, ensuring they receive the necessary income replacement during each episode of inability to work. This type of coverage acknowledges the unpredictable nature of certain health conditions that can resurface over time, offering peace of mind and financial stability to the insured.

Conclusion

Recurrent disability coverage is essential for individuals who face health issues that may result in repeated periods of inability to work. It offers protection and support by ensuring that each instance of disability is covered, allowing the insured to focus on recovery without financial strain. Consumers should carefully review their policies to understand the terms related to recurrent disability and seek clarification from insurers to avoid potential disputes.

Last Modified: 4/29/2024
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