Massachusetts Health & Accident Insurance Practice Exam

If a policyholder has a disability that is likely to recur, which provision should they look for?

1. Delayed Disability Provision

2. Recurrent Disability Provision

3. Accidental Means Provision

4. Benefit Period

The correct answer is: Recurrent Disability Provision

The provision that a policyholder should look for in the case of a disability that is likely to recur is the Recurrent Disability Provision. This provision specifically addresses situations where a policyholder experiences a new period of disability that is related to an earlier disability. The Recurrent Disability Provision allows for the possibility of a new claim without starting a new waiting period, provided that the subsequent disability is directly connected to the previous one. This is particularly important for individuals who may experience similar health issues over time, as it can simplify the claims process and provide continuous coverage without lapse. In contrast, other types of provisions like a Delayed Disability Provision typically relate to waiting periods before benefits begin, while an Accidental Means Provision focuses on injuries arising from accidental causes. The Benefit Period is relevant in determining how long benefits will be paid during a period of disability, but it does not specifically address the recurrence of disabilities. Thus, the Recurrent Disability Provision is the most relevant and beneficial for someone facing the likelihood of recurring disabilities.