Massachusetts Health & Accident Insurance Practice Exam

The Recurrent Disability Provision allows for what benefit?

1. A maximum benefit for certain professions

2. Permanent disability coverage

3. The possibility of a reoccurrence of disability

4. Increased premiums after a claim

The correct answer is: The possibility of a reoccurrence of disability

The Recurrent Disability Provision is designed to offer benefits in the event that a previously disabled individual experiences a recurrence of their disability after returning to work. This provision recognizes that disabilities can be intermittent, meaning that a person may recover and return to their job, only to face a relapse of their original condition. By including this provision in a policy, the insurer allows the insured to receive benefits again if the same disability occurs within a specified time frame after their initial recovery. This is particularly important for individuals whose disabilities may not be completely resolved, leading to an increased likelihood of reoccurrence. The provision ensures that they have financial protection without needing to reapply for benefits, provided they meet the necessary criteria regarding the timing and nature of the disability. Other choices focus on different aspects of insurance coverage that do not pertain to the nature of recurrent disabilities, such as maximum benefits for certain professions, which are more about caps on payouts based on job classification; permanent disability coverage, which addresses long-term, ongoing disabilities without the potential for sudden returns after recovery; and increased premiums post-claim, which relates to underwriting practices rather than the specific benefits tied to recurrent disabilities.