Health · Chapter 16 · Defining Disability
Presumptive Disability
Definition
A medical definition: double dismemberment, or total permanent loss of sight, hearing, or speech automatically qualifies as total disability. The insurer waives the waiting period and the occupational tests — and benefits continue even if the insured returns to work.
In plain English
The injury itself IS the proof — no income test, no waiting.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
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