What Does Recurrent Disability Mean?
A recurrent disability is a disability that results from the same cause as a prior disability, or from a related cause. If an insured suffers a relapse within six months of returning to work, this second disability is considered a continuation of the initial disability for insurance purposes.
Insuranceopedia Explains Recurrent Disability
Some disability insurance policies contain recurrent disability clauses. This clause stipulates that a worker can skip the mandatory elimination period if they experience the same or a related disability within six months of returning to work after a medical leave due to a prior disability.
Recurrent disability clauses allows the insured to continue receiving their original disability benefits without a break in their payments. This, moreover, encourages employees to return to work following a medical leave without fear of losing coverage if the condition returns.