How do most disability policies handle the case of a recurrent disability occurring at least 90 days after the first claim?

Most disability policies have specific provisions regarding recurrent disabilities, and when a recurrent disability occurs at least 90 days after the initial claim, it is generally treated as a new claim requiring a new elimination period. This means that the insurer will need to reassess the situation as if it were a fresh incident of disability, rather than a continuation of the previous one.

This policy structure allows insurers to thoroughly evaluate the new claim and its associated circumstances. The rationale behind this approach is to ensure that any new challenges and conditions impacting the insured's ability to work are adequately considered, even if the disability is similar or related to the prior claim.

Understanding that there is a new elimination period reinforces the importance for policyholders to be aware of the waiting times and claims process specified in their disability insurance policy, as it directly impacts their benefits and compensation coverage during recurrent disability events.