A recurrent disability in a long-term disability claim refers to a situation where an individual who has previously received long-term disability benefits experiences a recurrence of their disabling condition.
In this context, a recurrent disability may be covered under the terms of the long-term disability policy, allowing the individual to resume receiving benefits. However, the policy may also include specific provisions regarding recurrent disabilities, such as a waiting period or limitation on the duration of benefits for recurrent disabilities.
For example, suppose an individual received long-term disability benefits for a back injury but then returned to work. If the individual later experiences a recurrence of the back injury and becomes disabled again, the recurrence may be considered a recurrent disability. If the policy includes coverage for recurrent disabilities, the individual may be eligible to resume receiving benefits, subject to the policy’s terms and conditions.
It is essential to carefully review the long-term disability policy to understand how it defines recurrent disabilities and what provisions, if any, are included for such situations. If an individual experiences a recurrent disability, it is recommended to consult with a lawyer who specializes in long-term disability claims to understand their rights and options under the policy.