Tennessee Life and Health Insurance Practice Exam

Question: 1 / 400

How does Presumptive Disability differ from other types of disability?

It requires a waiting period before benefits are paid

It is automatic based on specific conditions

Presumptive Disability is unique because it allows benefits to be granted automatically based on specific conditions rather than requiring a standard evaluation process that may be used for other types of disability claims. Individuals who meet certain criteria, such as the loss of sight in both eyes, the loss of speech, or the loss of a limb, are typically considered disabled without the need for lengthy assessments. This feature is designed to expedite the claims process for those whose disabilities are clearly defined and recognizable, ensuring prompt support during a critical time.

In contrast, other disability types might involve waiting periods, temporary limitations, or restrictions on employment, which complicate access to benefits. By operating on the principle of quick, automatic recognition of severe disabilities, Presumptive Disability serves to provide immediate assistance to those who need it most.

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It is temporary and not payable indefinitely

It restricts receiving benefits while working

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