Presumptive Disability

Updated: 29 February 2024

What Does Presumptive Disability Mean?

A presumptive disability is a total disability that a person cannot recover from in the future, such as the permanent loss of sight.

Insuranceopedia Explains Presumptive Disability

Total loss of hearing or eyesight, permanent paralysis, or dismemberment of a limb are instances of presumptive disability. Presumptive disabilities may be acquired at birth or later in life.

Some private health insurance contracts have provisions to pay for these losses. Moreover, Social Security in the U.S. provides quick, temporary financial assistance to those who have suffered a presumptive disability and are still in the process of applying for long-term financial assistance.

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