Concurrent periods refer to a period of time during which the policyholder of a temporary disability policy has more than one disability or injury. It allows the insurance company to treat the health issues as one single injury or disability, even if they are unrelated. Thus, they can pay one single disability benefit, instead of multiple ones.
In other words, the second disability is considered a continuation or extension of the first, rather than another separate disability claim, unless the employee goes back to regular full-time work. The insurance company implements a cap or a maximum on the period of time that temporary disability benefits are paid out. If the cap is two months, for example, the total benefits to be claimed under concurrent periods cannot exceed two months.
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